CREDIT CARDS  
APPLICATION AND SOLICITATION DISCLOSURE 
INTEREST RATES AND INTEREST CHARGES 

Introductory APR for 
Purchases( after that a 
variable  APR will apply) 

Annual Percentage 
Rate(APR)for Purchases 
This APR will vary with the market 
based on the Prime Rate. 

APR for Cash Advances 
This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers 
This APR will vary with the market 
based on the Prime Rate. 

ELITE 
VISA SIGNATURE 

PREMIER 
REWARDS 

ADVANTAGE 
LOW RATE 

LIBERTY  
STUDENT 

CHOICE 
SECURED 

0.00% for 9 months 

1.99% for 9 months 

1.99% for 6 months 

1.99% for 6 months 

NONE 

Prime + Margin 
12.24% - 14.24% 

Prime + Margin 
10.24% - 17.24%

Prime + Margin 
8.24% - 16.24% 

Prime + Margin 
11.24% - 14.24%

Prime + Margin 
15.24% 

Prime + Margin 
12.24% - 14.24% 

Prime + Margin 
10.24% - 17.24% 

Prime + Margin 
8.24% - 16.24% 

Prime + Margin 
11.24% - 14.24% 

Prime + Margin 
15.24% 

Prime + Margin 
12.24% - 14.24% 

Prime + Margin 
10.24% - 17.24% 

Prime + Margin 
8.24% - 16.24% 

Prime + Margin 
11.24% - 14.24% 

Prime + Margin 
15.24% 

18.00% 

This APR may be applied to the entire balance on your account if you make a late payment. 
This APR may be applied to your account if you: 

Penalty APR 
and When it Applies 

1)  Make a late payment; 
2)  Go over your credit limit; 
3)  Make a payment that is returned, or 
4)  Do any of the above on another account you have with us.  

Minimum Interest Charge 
How to Avoid Paying Interest 
on Purchases 
For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 
six consecutive minimum payments when due. 
None 
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. 

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Annual Fee 

None 

FEES FOR ALL PSFCU CREDIT CARDS 

TRANSACTION FEES 
  Balance Transfer Fee 

  Foreign Transaction Fee 

  Cash Advance Fee 

3% of transfer amount with a minimum of $5. 

1.00% of each multiple currency transaction in U.S. dollars, where a currency conversion occurs 
0.80% of each single currency transaction in U.S. dollars, where a currency conversion is not performed 

Either $10 or 2% of the amount of each cash advance, whichever is greater. For student cards, the cash advance fee is either $5 or 1% of the 
amount of each cash advance. 

PENALTY FEES 
 Late Payment Fee 
 Returned Payment Fee 
 Over‐the‐Credit‐Limit Fee 

Up to $37.00 
Up to $27.00 
None 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Variable Rate:  The APR and corresponding monthly periodic rate may increase or decrease. The APR is subject to change quarterly 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 first day of each quarter (January, April, 
July, October), to which we add a margin.  The APR will never be greater than 18.00%. Any increase in the APR 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. 

Accuracy: The information about the costs of the card is accurate as of 01/29/16. This information may have been changed after that date. To find out what may have changed, 
contact the Credit Union. 

* Introductory APR is based on your credit history and other credit factors. After that, Your APR will vary with the market based on the Prime Rate.