CREDIT CARD DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for Purchases

VISA Platinum: 9.99% to 18.00% when you open your account, 
based on your creditworthiness.
VISA Gold: 10.99% to 18.00% when you open your account, based 
on your creditworthiness.
VISA Classic: 11.99% to 18.00% when you open your account, 
based on your creditworthiness.

APR for Balance Transfers
APR for Cash Advances

Penalty APR and When it 
Applies
How to Avoid Paying Interest 
on Purchases

Balance transfers are considered cash advances. (See next line)
8.49%
The APR will vary. The APR  is the prime rate as published in the Wall Street 
Journal on the last day of the month, plus 4.99%.
Not applicable

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 the entire balance by the 
due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the 
Federal Reserve Board

To learn more about factors to consider when applying or using a credit card, 
visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/credit card

Fees
Transaction Fees
   · Cash Advance
   · Foreign Transaction

Penalty Fees
   · Late Payment
   · Returned Payment
Other Fees
   · Annual Fee

$2.00
2% of the amount of each foreign currency purchase after its conversion to US 
currency

up to $25.00
up to $25.00

VISA Classic: $10.00; VISA Gold and Platinum: $20.00. Waived if member 
has direct deposit.
$10.00

   · Card Replacement
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new 
purchases).'

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your disclosure agreement.
Maximum Credit Limits:  VISA Classic: $10,000;  VISA Gold or Platinum: $25,000

This information about the costs of the cards describes in this disclosure is accurate as of the date printed below. 
This information may have changed after that date. To find out what may have changed, contact Member 
Services at 800-338-0221, ext. 9829, or info@rtn.org.

Rate sheet as of: 3/1/2016

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