This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

VISA GOLD
CREDIT CARD ACCOUNT OPENING DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

4.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 10.50%. This APR will vary with the 
market based on the Prime Rate. 

APR for Cash Advances 

4.99% introductory APR for a period of six billing cycles. 

After that, your APR will be 10.50%. This APR will vary with the 
market based on the Prime Rate. 

APR for Balance Transfers 

4.99% introductory APR for a period of six billing cycles. 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

After that, your APR will be 10.50%. This APR will vary with the 
market based on the Prime Rate. 

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 on the transaction 
date. 
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.

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

Up to $27.00  

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 
Late Payment Fee 

Card Replacement Fee 
Loan Modification Fee 

$27.00 or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
$11.00 
$25.00 per request 

Collection Costs. You promise to pay, subject to any limits under applicable law, all costs of collecting the amount you 
owe under this Agreement. This includes, but not limited to, reasonable attorney’s fees and court costs as well as legal 
expenses for any bankruptcy, appeals or post judgment proceedings.  

SEE BACK OF PAGE for more important information about your account 

 
 
 
 
 
 
 
 
 
 
Periodic Rates. 
The Introductory Purchase APR is 4.99% which is a daily periodic rate of 0.0137%. 
The Purchase APR is 10.50% which is a daily periodic rate of 0.0288%. 
The Introductory Cash Advance APR is 4.99% which is a daily periodic rate of 0.0137%. 
The Cash Advance APR is 10.50% which is a daily periodic rate of 0.0288%. 
The Introductory Balance Transfer APR is 4.99% which is a daily periodic rate of 0.0137%. 
The Balance Transfer APR is 10.50% which is a daily periodic rate of 0.0288%. 

Variable Rate. 
The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change 
in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on 
the day following a change in the Index of each calendar month, to which we add a margin. The ANNUAL PERCENTAGE 
RATE will never be greater than 29.99%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional 
payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will 
choose a new index which is based upon comparable information. 

Margin. 
Purchases will be charged at 7.00% above the Index. 
Cash advances will be charged at 7.00% above the Index. 
Balance transfers will be charged at 7.00% above the Index. 

MXC4XX