9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
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      Community Home / Events                                                             In This Section ��� +
        Disclosure Information for Visa
        Platinum, Visa Platinum Rewards, Visa
        Signature, & Visa Platinum Cash
        Rewards
        The Visa Platinum introductory APR applies only to new credit card accounts opened on or
        after May 12, 2021. Not available for HVCU credit line increases, re?nances, or HVCU credit
        card transfers. No exceptions will be made or considered. O?er may withdrawn at any time
        by HVCU without further notice to you. 
        Credit Card Rates E?ective June 24, 2021
         Interest Rates and   Visa� Platinum       Visa� Platinum       Visa� Signature      Visa� Platinum
         I t   t Ch                                R    d                                    R    d
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    9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
         Interest Charges                          Rewards                                   Rewards
        Annual Percentage
                             0%                   12.25% to            13.25% to            13.25%
        Rate (APR) for
                             introductory APR for 12
        Purchases                                 16.50%               13.50%               17.50%
                             months. After that your
                                                  when you open your   when you open your   when you open
                             APR will be
                                                  account, based on your account, based on your account, based
                             11.25% to            creditworthiness. After creditworthiness. After creditworthine
                                                  that, your APR will vary that, your APR will vary that, your APR w
                             15.50%
                                                  with the market based with the market based with the marke
                             when you open your
                                                  on the Prime Rate.   on the Prime Rate.   on the Prime Ra
                             account, based on your
                             creditworthiness. After
                             that, your APR will vary
                             with the market based
                             on the Prime Rate.
        APR for Balance      0% introductory APR for 12.25% to 16.50%   13.25% to 13.50%    13.25% to 17.5
        Transfers            12 months. After that, This APR will vary with This APR will vary with This APR will va
                             your APR will be     the market based on the the market based on the the market bas
                             11.25% to 15.50%.    Prime Rate.          Prime Rate.          Prime Rate.
                             This APR will vary with
                             the market based on the
                             Prime Rate.
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    9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
        APR for Cash Advances 0% introductory APR for 12.25% to 16.50%   13.25% to 13.50%   13.25% to 17.5
                             12 months. After that, This APR will vary with This APR will vary with This APR will va
                             your APR will be11.25% the market based on the the market based on the the market bas
                             to 15.50%.           Prime Rate.          Prime Rate.          Prime Rate.
                             This APR will vary with
                             the market based on the
                             Prime Rate.
        Penalty APR and When None                 None                 None                 None
        it Applies
        Paying Interest      Your due date is at least Your due date is at least Your due date is at least Your due date i
                             25 days after the close 25 days after the close 25 days after the close 25 days after th
                             of each billing cycle. We of each billing cycle. We of each billing cycle. We of each billing c
                             will not charge you any will not charge you any will not charge you any will not charge 
                             interest on purchases if interest on purchases if interest on purchases if interest on purc
                             you pay your entire  you pay your entire  you pay your entire  you pay your en
                             balance by the due date balance by the due date balance by the due date balance by the 
                             each month. We will  each month. We will  each month. We will  each month. W
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    9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
                             begin charging interest begin charging interest begin charging interest begin charging
                             on cash advances and on cash advances and on cash advances and on cash advanc
                             balance transfers on the balance transfers on the balance transfers on the balance transfe
                             transaction date.    transaction date.    transaction date.    transaction dat
        For Credit Card Tips To learn more about  To learn more about  To learn more about  To learn more a
        from the Consumer    factors to consider  factors to consider  factors to consider  factors to consi
        Financial Protection when applying for or when applying for or when applying for or when applying
        Bureau               using a credit card, visit using a credit card, visit using a credit card, visit using a credit c
                             the website of the Con- the website of the Con- the website of the Con- the website of t
                             sumer Financial Protec- sumer Financial Protec- sumer Financial Protec- sumer Financia
                             tion Bureau at       tion Bureau at       tion Bureau at       tion Bureau at
                             www.consumer?nance.gov www.consumer?nance.gov www.consumer?nance.gov www.consumer?
                             /learnmore.          /learnmore.          /learnmore.          /learnmore.
        Fees                 ����
        Annual Fee           NA                   NA                   $49 (waived the ?rst NA
                                                                       year)
        Transaction Fees                                                                    �
        Cash Advance         2% of advance amount 2% of advance amount 2% of advance amount 2% of advance 
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    9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
                              % o ad a ce a ou t   % o ad a ce a ou t   % o ad a ce a ou t   % o ad a ce 
        Foreign Transaction  Exchange Rate plus 1% Exchange Rate plus 1% Exchange Rate      Exchange Rate 
                             of transaction       of transaction                            of transaction
        Penalty Fees                                                                        �
        Late Payment         up to $29            up to $29            up to $29            up to $29
        How We Will Calculate Your Balance: We use a method called �average daily balance�
        (including new purchases, cash advances, and balance transfers). See the Variable Rate
        Credit Card Agreement and Truth in Lending Disclosure for more details. 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those
        rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending
        Disclosure. 
        Your new credit card has a variable rate. Additional rate information is as follows:
        �
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    9/13/2021                    Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union
         �                    Visa� Platinum       Visa� Platinum       Visa� Signature      Visa� Platinum
                                                   Rewards                                   Rewards
        MONTHLY PERIODIC     0.9375% to 1.2917%   1.0208% to 1.375%    1.1041% to 1.125%    1.1042% to 1.45
        RATE FOR APR SHOWN
        ABOVE FOR
        PURCHASES, CASH
        ADVANCES, AND
        BALANCE TRANSFERS
        MARGIN               8.00% to 12.25%      9.00% to 13.25%      10.00% to 10.25%     10.00% to 14.25
        The Annual Percentage rate and monthly periodic rate above is in e?ect until the next
        monthly change. Refer to your Variable Rate Credit card Agreement and Truth in Lending
        Disclosure for more information regarding your variable rate.
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