SAFE Student Visa® Credit Card 

PRICING INFORMATION 
Variable rates are based on the Prime Rate as of  
May 16, 2016 
Annual Percentage Rate (APR) for Purchases 
     Rates based on the Prime Rate 

Annual Percentage Rate (APR) for Balance 
Transfers and Cash Advances 

Minimum Interest Charge 
Transaction Fees 

Balance Transfer      
Cash Advance % of Transaction 
Foreign Transaction 

Account Fees 
     Annual Fee 

     Late Payment 

(APR = Annual Percentage Rate) 
(MPR = Monthly Periodic Rate) 
Prime +  15.65% 
(APR) 19.15% 
(MPR) 1.596% 
Prime +  15.65% 
(APR) 19.15% 
(MPR) 1.596% 
None 

None 
3% (min: $10 to max: uncapped) 
Up to 1% of the transaction amount 

None 

$15 or minimum payment amount, 
whichever is less 

Up to $10 

     Returned Payment 
Variable Rate Information 
Variable Rates are calculated by adding together an index and a margin. This index is the Prime 
Rate as published in the Wall Street Journal on the 15th of each month. An increase or decrease 
in the index will cause a corresponding increase or decrease in your variable rates on the first day 
of your billing cycle that begins in the same month in which the index is published. An increase in 
the index means that you will pay higher interest charges and have a higher Total Minimum 
Payment Due. 

Interest Rate Adjustment 
An interest rate adjustment will occur when your account is 60 days or more past due. If your 
account is 60 days past due, the interest rate for existing and new balances will be increased to 
an ANNUAL PERCENTAGE RATE of 21.90%. This interest rate increase will be effective 
beginning after 45-day notice is provided to you. The interest rate adjustment will terminate if you 
make the required minimum payments for six consecutive months. 

Paying Interest 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers as of the transaction date. 

Balance Subject to Interest Rate 
Average Daily Balance Method (including new Purchases):  
We figure the interest charge on your account by applying the periodic rate to the "average daily 
balance" of your account. To get the "average daily balance" we take the beginning balance of 
your account each day, add any new purchases, advances and fees, and subtract any unpaid 
interest or other finance charges and any payments or credits. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide the total by the number of 
days in the billing cycle. This gives us the "average daily balance."  

 
      
 
          
 
 
 
 
 
 
 
 
 
STUDENT VISA  CARD AGREEMENT AND DISCLOSURE STATEMENTInthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.S-473VS  05/16/2016(continued on reverse)6.CREDITSMerchantswhohonoryourcardandgiveyoucreditforreturnsoradjustmentswillprovideuswithacreditwhichwewillposttoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvances,orrefundituponyourwrittenrequestifitis$1ormore.Anycreditbalancenotclearedwithin30dayswill be transferred to your Share Savings Account. 7.FOREIGNTRANSACTIONEXCHANGERATETheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichmayvaryfromtherateVisaitselfreceives,orthegovernment-mandated rate in effect for the applicable central processing date.8.FOREIGNTRANSACTIONFEEAfeeofupto1percentofthetransactionamountischargedfortransactionsconductedoutsidetheUnitedStates.9.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourcard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththecardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant,and:(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or(b)yourpurchasecostmorethan$50andwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome.Youmustresolveanyotherdisputes directly with the plan merchant.10.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentwithin10daysofthePaymentDueDate.Youwillalsobeindefaultifyourabilitytorepayismateriallyreducedbyanincreaseinyourobligations,bankruptcy,insolvencyproceedinginvolvingyou,yourdeath,yourfailuretoabidebytheAgreement,orifyouhavemadeordomakeanyfalseormisleadingstatementsinfurnishingyourfinancialinformationandotherinformationtous.WehavetherighttodemandimmediatepaymentinfullofyourAccountifyoudefault,subjecttoourgivingyouanynoticerequiredbylaw.Totheextentpermittedbylaw,youwillalsoberequiredtopayourcollectionexpenses,including court costs and reasonable attorney fees.11.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewing,orreviewingyourAccount,andyouauthorizeustodiscloseinformationregardingyourAccounttocreditbureausandothercreditorswhoinquireaboutyourcreditstandingtotheextentauthorizedinourbylaws.Asrequiredbylaw,youareherebynotifiedthatanegativecreditreportreflectingonyourcreditrecordmaybesubmittedtoacreditreportingagencyifyou fail to fulfill the terms of your credit obligations.12.CREDITLIFEANDDISABILITYYouunderstandthatCreditLifeandDisabilityInsuranceisnotrequiredbyustoobtainyourloan.Ifselected,youacknowledgereceivingacopyoftheCreditInsuranceApplication/Scheduleandhavemadethechoiceofinsurancecoverageindicatedthereon.ThecostofanyinsuranceyouhavechosenisaddedtoyourbalancemonthlyandwillaccrueFINANCE CHARGES from the day the cost is added.13.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughsales,cashadvance,orcreditslipsmaycontaindifferentterms.Wemayamendthisagreementfromtimetotimebysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentpermittedbylaw,andasindicatedinournotice,amendmentswillapplytoyourexistingAccountbalanceaswellasfuturetransactions.WereservetherighttoreviewyourcreditandeitherincreaseordecreaseyourcreditlimitorAPRfornewbalances.APRincreaseswillnotimpactexistingbalancesunlessyouaremorethan60dayslatewithapaymentorunlessotherwisepermittedbyapplicable law.14.NON-WAIVERPROVISIONWecandelayenforcinganyofourrightsunderthisAgreementwithoutlosingthem.IfanytermsofthisAgreementarefound to be unenforceable, all other provisions will remain in full force.1.RESPONSIBILITYIfweissueyouacard,youagreetorepayalldebtsandtheFINANCECHARGEarisingfromtheuseofthecardandthecardAccount.Forexample,youareresponsibleforchargesmadebyyourself,yourspouse,andminorchildren.Useofthecardbyanyoneelsewillbepresumedtobewithyourconsent.Youwillbeconsideredresponsibleforallresultingcharges.Youmustnotifyusinwritingofpossibleunauthorizeduse.Toprotectyourrights,wemusthearfromyounolaterthan60daysafterwesentthefirststatementonwhichtheunauthorizeduseappeared.YourobligationtopaytheAccountbalancecontinueseventhoughanagreement,divorcedecree,orothercourtjudgmenttowhichwearenotapartymaydirectyouoroneoftheotherpersonsresponsibletopaytheAccount.Anyandallpersonssigningontheaccountareentitledtoacarduponrequest.YouagreethatalltransactionsthatyouinitiatebyuseoftheCardarelegalinthejurisdictionwhereyouliveand/orthetransactionoccurs.YouagreetorepayaccordingtothetermsofthisAgreementalltransactions you initiate by use of the Card.2.CREDITLINEIfweapproveyourapplication,wewillestablishaself-replenishingLineofCreditandnotifyyouofitsamountwhenweissuethecard.YouagreenottolettheAccountbalanceexceedthisapprovedCreditLine.EachpaymentwillrestoreyourCreditLinebytheamountofthepayment(excludinganyoverlimitamount);however,SAFEatitssoleandabsolutediscretion,reservestherighttodelaytherestorationofyourCreditLineforupto15days.Financechargesandotherchargeswillceasetoaccrueontheamountofpaymentasofthedateofreceipt.YoumayrequestanincreaseinyourCreditLinebycallingSAFE'sCallCenterorbyvisitinganySAFEbranch.Bygivingyouwrittennotice,yourCreditLinemaybereducedfromtimetotime,orwithgoodcause,yourcardmayberevokedandthisAgreementterminated.GoodcauseincludesyourfailuretocomplywiththisAgreement,orouradversereevaluationofyourcreditworthiness.YoumayalsoterminatethisAgreementatanytime,butterminationbyeitheryouorusdoesnotaffectyourobligationtopaytheAccountbalance.Thecardsremainourpropertyandyoumustsurrenderall cards upon our request and upon termination of this Agreement.3.USINGTHECARDTomakeapurchaseorcashadvance,presentthecardtoaparticipatingVisaplanmerchant,tous,ortoanotherfinancialinstitutionandsignthesalesorcashadvancedraftwhichwillbeimprintedwithyourcard.Youwillreceiveacopyofthedraftorreceiptwhichyoushouldretaintoverifyyourmonthlystatement.Wereservetherighttomakeareasonablechargeforphotocopiesofdraftsyoumayrequest,asdisclosedintheFeeSchedule.YoumayalsomakeadvancesatanySAFEATM,NetworkATM,orATMsdisplayingtheVisalogo.Internetgamblingmaybeillegalinthejurisdictioninwhichyouarelocated,includingtheUnitedStates.Yourcardmayonlybeusedforlegaltransactions.DisplayofpaymentcardlogobyanonlinemerchantdoesnotmeanthatInternetgamblingtransactionsarelawfulinalljurisdictionsinwhich you may be located.4.MONTHLYPAYMENTSWewillapplyyourpaymentsfirsttoFINANCECHARGES,thentolatefees(ifany),andthentotheprincipalbalance.IfyouraccounthasbalanceswithdifferentAPRs,wewillallocatetheamountofyourpaymentequaltotheMinimumPaymentDuetothelowestAPRbalancesfirst.PaymentamountsinexcessofyourMinimumPaymentDuewillbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs.EachmonthyoumustpayatleasttheMinimumPaymentbytheduedateonyourstatement.Byseparateagreement,youmayauthorizeustochargetheMinimumPaymentautomaticallytoyourShareSavings,SAFEChecking,orMoneyMarketaccount.YouwillreducetheFINANCECHARGEbypayingmorefrequently,payingmorethantheMinimumPayment,orpayingtheTotalNewBalanceinfull.TheMinimumPaymentwilleitherbe(a)2%ofyourTotalNewBalance,or$10,whicheverisgreater,or(b)yourTotalNewBalanceifitislessthan$10plus(c)anyportionoftheMinimumPaymentshownonpriorstatementswhichremainsunpaid.Inaddition,anytimeyourTotalNewBalanceexceedsyourApprovedCreditLimit,youmustimmediatelypayanyamountinexcessofyourcreditlimit.5.LATEFEESIfyourpaymentisnotreceivedwithin15daysofthePaymentDueDateshownonyourmonthlystatement,youwillbechargedalatefeeof$15or minimum payment amount, whichever is less.15.FINANCECHARGE-REGULARRATEYourAccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof1.596%permonthfwhichcorrespondstoanANNUALPERCENTAGERATEof19.15%onthePurchase,AdvanceandBalanceTransferAverageDailyBalances.ThisrateisavariableratewhichmaychangedmonthlybasedonthemovementsoftheWallStreetJournalPrimeRate,whichisthePrimeRatepublishedthe15thofeachmonthintheWallStreetJournal,WesternEdition,plus15.65percentagepoints.ThereisnolimitationontheamountofincreaseintheANNUALPERCENTAGERATE.AnincreaseinthePrimeRatewillresultinanincreaseintheamountofyourFINANCECHARGE,minimumperiodicpayment,andOutstandingBalance.Wefiguretheinterestchargeonyouraccountbyapplyingtheperiodicratetothe“averagedailybalance”ofyouraccount.Togetthe“averagedailybalance”wetakethebeginningbalanceofyouraccounteachday,addanynewpurchases,advancesandfees,andsubtractanyunpaidinterestorotherfinancechargesandanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe“average daily balance."  ®(continued from reverse)16.PAYINGINTERESTYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate, based on our payment allocation method. We will begin charging interest on cash advances and balance transfers as of the transaction date.17.CASHADVANCEFEEForeachcashadvance(excludingcashadvancestakenatanySAFEATM,throughCALL-24,orOnlineBanking)thereisatransactioncharge equal to 3% of the amount of the advance or $10, whichever is greater.  The charge will be billed to your monthly Visa statement.18.INTERESTRATEADJUSTMENTAninterestrateadjustmentwilloccurwhenyouraccountis60daysormorepastdue.Ifyouraccountis60dayspastdue,theinterestrateforexistingandnewbalanceswillbeincreasedtoanANNUALPERCENTAGERATEof21.90%.Thisinterestrateincreasewillbeeffectivebeginning after 45-day notice is provided to you. The interest rate adjustment will terminate if you make the required minimum payments for six consecutive months.19.WEMAYCONTACTYOU-SERVICINGANDCOLLECTIONSIfweneedtocontactyoutoserviceyouraccountortocollectanamountyouowe,youauthorizedus(andouraffiliates,agentsandcontractors)tocontactyouatanynumberyouprovide,fromwhichyoucallus,oratwhichwebelievewecanreachyou.Wemaycontactyouinanyway,suchascallingortexting.Wemaycontactyouusinganautomateddialerorprerecordedmessages.Wemaycontactyouonamobile,wireless,orsimilardevice,evenifyouarechargedforit.CALLMONITORINGFromtimetotimewemaymonitorand/orrecordcallsbetweenyouandustoassurethe quality of our customer service, or as required by applicable law. STUDENT VISAFor Credit Card tips fromthe Consumer FinancialProtection BureauAPR for Balance TransfersAPR for Cash AdvancesPenalty APR and When it AppliesPaying Interest Minimum Interest Charge21.90%.ThisAPRmaybeappliedtoyouraccountifyou1.Makealatepayment.2.Makeapaymentthatisreturned.HowLongwillthePenaltyAPRApply?:IfyourAPRsareincreasedforanyofthesereasons,thePenaltyAPRwillapplyuntilyoumakesixconsecutive minimum payments when due.Yourduedateisatleast25daysafterthecloseofeachbillingcycle.Wewillnotchargeyouanyinterestonpurchasesifyoupayyourentirebalancebytheduedateeach month.NoneTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau atwww.consumerfinance.gov/learnmore.Interest Rates and Interest ChargesHowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeSection15.FINANCECHARGE on your account agreement for more details.BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouragreement.Annual Percentage Rate(APR) for Purchases19.15%ThisAPRwillvarywiththemarketbasedonthePrimeRate.19.15%ThisAPRwillvarywiththemarketbasedonthePrimeRate.19.15%ThisAPRwillvarywiththemarketbasedonthePrimeRate. Annual Fee- Classic and StudentNoneTransaction Fees- Balance Transfer- Cash Advance- Foreign TransactionNoneEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin15days of due dateUpto$10