STREATOR COMMUNITY CREDIT UNION
RO. Box 739 • 302 N Park St
Streator, IL 61364-2229
815-672-8488 • Fax: 815-673-1442
www.streatorccu.org
V/SA
VISA PLATINUM/VISA CLASSIC Application and Solicitation Disclosure
Annual Percentage Rafe (APR) for Purchases	Visa Platinum 10.90% Visa Classic 13.90%
APR for Balance Transfers	Visa Platinum 10.90% Visa Classic 13.90%
APR for Cash Advances	Visa Platinum 10.90% Visa Classic 13.90%
How to Avoid Paying Interest on Purchases	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.
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.
■■■■ ■'	
Transaction Fees - Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Up to $25.00 Upto $25.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of October 1, 2014. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Document Copy Fee Card Replacement Fee Card Recovery Fee Pay-by-Phone Fee
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is less.
$10.00
$10.00 per card
$65.00
$10.00