Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases Visa Platinum with No Rewards Benefits: 10.75% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Rewards Benefits: 
14.25% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Secured Benefits: 
14.25% to 17.90% . Annual Percentage Rate (APR) for Balance Transfers Visa Platinum with No Rewards Benefits: 
10.75% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Rewards Benefits: 
14.525% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Secured Benefits: 
14.525% to 17.90% . Annual Percentage Rate (APR) for Cash Advances Visa Platinum with No Rewards Benefits: 
12.00% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Rewards Benefits: 
16.25% to 17.90% , based on your credit worthiness; the APR will vary with the market based on the Prime Rate. Visa Secured Benefits: 
16.25% to 17.90% . Penalty Pricing and When it Applies 
None 
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than 
$0.00 
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 
https://www.consumerfinance.gov/learnmore 
Fees 
Annual Fee None Transaction Fees � Balance Transfer � Cash Advance � Foreign Transaction None $10.00 or 2.00% of the amount of each cash advance, whichever is greater. 1.00% of each foreign transaction in U.S. dollars. Penalty Fees � Over-the-Credit Limit � Late Payment � Returned Payment 
None $10.00 $15.00 
How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases)� 
The information about the costs of the cards described above are current as of . This information may have changed since that time. For the most current information, please visit valleystrong.com, call us at (661) 833-7900 / (800) 221-3311, stop by any of our convenient branch locations, or write to us at Valley Strong Credit Union, Attn: Visa Department, P.O. Box 9506, Bakersfield, CA 93389-9506.