IMPORTANT VISA® CREDIT CARD DISCLOSURES

The  information  appearing  on  this  Disclosure  is  accurate  as  of  ________________  .  This  information  may  have  changed
after that date. To find out what may have changed, visit hiway.org, call us at 651.291.1515 or 800.899.5626 or write us at
Hiway Credit Union®, 111 Empire Drive, St. Paul, MN 55103.

December 15, 2021

Interest Rates and
Interest Charges
Annual Percentage Rate
(APR) for Purchases

APR for Cash Advances

Hiway Visa Platinum®

Hiway Visa® Rewards

Hiway Visa Signature®
Cash Rewards

Introductory APR

1.99%
for 12 months. After that, your
Standard APR will be
7.45
_____ %, _____%,
10.15
_____%, _____%,
17.15
or _____%
depending on your credit
history. This APR will vary with
the market based on the Prime
Rate.

8.15
14.74

Introductory APR

1.99%
for 12 months. After that, your
Standard APR will be
8.65
_____ %, _____%,
11.74
_____%, _____%,
17.15
or _____%
depending on your credit
history. This APR will vary with
the market based on the Prime
Rate.

9.65
14.15

8.15

10.15

7.45
_____ %, _____%, _____%,
_____%, or _____% depending
17.15
14.74
on your credit history. This APR
will vary with the market based
on the Prime Rate.

9.65

11.74

8.65
_____ %, _____%, _____%,
_____%, or _____% depending
17.15
14.15
on your credit history. This APR
will vary with the market based
on the Prime Rate.

10.71

Introductory APR

1.99%
for 12 months. After that, your
Standard APR will be
9.71
_____%, _____%,
12.74
_____%, or
15.15
_____%
depending on your credit
history. This APR will vary
with the market based on the
Prime Rate.

12.74

10.71
9.71
_____%, _____%, _____%, or
_____% depending on your
15.15
credit history. This APR will
vary with the market based on
the Prime Rate.

APR for Balance Transfers

1.99
_____% Introductory APR for 12
months. After that, your
Standard APR will be

8.15

10/15

7.45
_____%, _____%, _____%,
17.15
14.74
_____%, or _____% depending
on your credit history. This APR
will vary with the market based on
the Prime Rate.

1.99
_____% Introductory APR for 12
months. After that, your
Standard APR will be
8.65
_____ %, _____%, _____%,
17.15
14.15
_____%, or _____% depending
on your credit history. This APR
will vary with the market based on
the Prime Rate.

11.74

9.65

1.99
_____% Introductory APR for
12 months. After that, your
Standard APR will be
9.71
_____%, _____%, _____%,
or _____% depending on your
credit history. This APR will
vary with the market based on
the Prime Rate.

15.15

12.74

10.71

Paying Interest

Pay full amount of the New Balance of Purchases within 25 days of your statement closing date. We
will not charge you interest on purchases if you pay your entire new purchase balance by the due
date each month. We will begin charging interest on cash advances and balance transfers on the
date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge None
For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Fees

Fees to Open or Maintain
your Account

None

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

None
____% of the amount of each cash advance or $_______, whichever is greater
2
Hiway Visa Platinum® & Hiway Visa® Rewards: ____% of U.S. dollar transaction amount
Hiway Visa Signature® Cash Rewards: None

10.00
1

29.00

Up to $________ if minimum payment is not received by the payment due date.
None
Up to $________ if your payment is returned for any reason.

29.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:

Document Copy:
9009 LASER FPDF FI19163 Rev 1-2021

$5.00 max/item

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