7.50 %, 8.50 %, 10.50 %, 13.50 %, or 16.50 %
Variable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate  
published in The Wall Street Journal  on the last business day of the month preceding the current 
calendar quarter. The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-
month review of your credit history. Your variable rate will not exceed 18% APR.
0.99 % new account introductory rate for six months after account is open for all purchases.
If you pay the total new balance for purchases by the payment due date on your last statement, or if 
you did not have a purchase balance on your last statement.  Your due date is at least 25 days after 
the close of each billing cycle.
We will begin charging interest on cash advances, convenience checks, and balance transfers on 
the transaction date.
$0
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.7.50 %, 8.50 %, 10.50 %, 13.50 %, or 16.50 %
Variable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published 
in The Wall Street Journal  on the last business day of the month preceding the current calendar quarter. 
The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your 
credit history. Your variable rate will not exceed 18% APR.
0.99 % new account introductory rate for six months after account is open for all balance transfers.
7.50 %, 8.50 %, 10.50 %, 13.50 %, or 16.50 %
Variable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published 
in The Wall Street Journal  on the last business day of the month preceding the current calendar quarter. 
The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your 
credit history. Your variable rate will not exceed 18% APR. Convenience checks are considered cash 
advances.
0.99 % new account introductory rate for six months after account is open for all cash advances.Annual Percentage Rate  
(APR) for Purchases
APR for Balance Transfers
APR for Cash Advances
How to Avoid Paying  
Interest on Purchases:
Minimum Finance Charge
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau
Annual Fee
Transaction Fees
    Balance Transfer
    Cash Advance
    Foreign Transaction
Penalty Fees
    Late Payment
    Returned Check 
    Over-the-Limit
Other Fees
    Rushed Card $0
$0
$0
Lesser of amount of minimum payment due or $25
$20 per check
$0
$30
How We Will Calculate Your Balance:  The finance charge is calculated on the average daily balance including new transactions.
Billing Rights:  See Visa Plan Agreement for details.$0INTEREST RATES AND INTEREST CHARGESReliant Community Federal Credit Union  
Visa Platinum Credit Card  
as of November 1, 2021
FEES
Military Lending Act Disclosures
Federal law provides protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.  In 
general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
rate of 36 percent.  This rate must include, as applicable to the credit transaction or account:  The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee (other than certain application 
fees for specified credit transactions or accounts); and any participation fee char ged (other than certain participation fees for a credit 
card account).
Please call us at (800)724-9282 to receive oral disclosures of the Military Lending Act disclosure above and a description of the 
payment obligation. 
M-134653