Platinum 
Visa® Card 

CURewards 
Visa® Card 

Cash Rewards 
Visa® Card 

Secured 
Visa® Card 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases and 
Cash Advances 

APR for Balance Transfers 

APR for  Cash Advances2 

Penalty APR and 
When it Applies 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest 
Charge 
For Credit  Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual  Fee 

Transaction Fees 

10.15% 16.90% 
This APR will vary  with 
the market based on the 
Prime Rate. 
7.00%-9.00%1  
This special APR promotion 
runs 1/1/19-3/31/19. 
10.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 
10.15% 16.90%  
This APR will vary with the 
market based on the Prime 
Rate. 

12.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 
7.00%-9.00%1  
This special APR promotion 
runs 1/1/19-3/31/19. 
12.15% 16.90% 
This APR will vary with the     
market based on the Prime 
Rate. 
12.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 

12.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 
7.00%-9.00%1  
This special APR promotion 
runs 1/1/19-3/31/19. 
12.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 
12.15% 16.90% 
This APR will vary with the 
market based on the Prime 
Rate. 

 16.90% 
  This is a fixed  rate. 

 16.90% 
  This is a fixed  rate. 

 16.90% 
  This is a fixed rate. 

18.00%  
This APR may be applied to your account if your account  is delinquent  60 or more 
days. 
How Long Will the Penalty APR Apply?  The increased  annual  percentage   rate, fee, or charge  will  cease to 
apply if the  Credit Union  receives six consecutive  required  minimum   periodic  payments  on or before  the 
payment  due date beginning  with the first payment due following  the effective date of the increase. 
We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date 
is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month. 
None 

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. 

None 

Balance Transfer 

2% of the amount  of the transaction with  a minimum  of $10.00 and a maximum  of $75.00 

Cash Advance 

2% of the amount  of the transaction with  a minimum  of $10.00 and a maximum  of $75.00 

Foreign Transaction 

1% of each transaction in U.S. dollars 

Penalty Fees 

Late Payment 

Up to $25.00 

Over the Credit Limit  None 
Returned Payment 

Up to $25.00 

1 To qualify for special balance transfer promotion, balance transfers from other creditors must post to your account between 1/2/19-3/31/19.  
The special promotion is a “life of the balance” promotion, meaning the promo rate will remain until the balance is paid in full. Thereafter, 
the APRs for Cash Advances will be 10.15%-16.90% for Visa Platinum; 12.15%-16.90% for VISA CURewards and Visa Cash Rewards. 
2 We will limit on the amount of Cash Advances you can take in a given period, which is subject to change. Currently you may make a cash 
advance up to $1,000 per day.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 
Application and Solicitation Effective  January 2, 2019