TYNDALL FEDERAL CREDIT UNION
VISA®  GOLD APPLICATION DISCLOSURE

Interest Rates and Interest Charges
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

Visa® Gold

Visa® Gold Rewards

APR for Balance Transfers
Visa® Gold

Visa® Gold Rewards

APR for Cash Advances
Visa® Gold

Visa® Gold Rewards

Penalty APR and When it Applies
Paying Interest

Minimum Interest Charge
For Credit Card Tips from the 
Consumer Financial Protection Bureau

Fees

Annual Fee
Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late Payment
Over-the-Credit Limit
Returned Payment

Other Fees

Required

7.95% to 10.75%, based on your credit worthiness
This APR will vary with the market based on the Prime Rate.

11.90% to 12.90%, based on your credit worthiness
This APR will vary with the market based on the Prime Rate.

7.95% to 10.75%
This APR will vary with the market based on the Prime Rate.

11.90% to 12.90%

This APR will vary with the market based on the Prime Rate.

7.95% to 10.75%
This APR will vary with the market based on the Prime Rate.

11.90% to 12.90%

This APR will vary with the market based on the Prime Rate.

None
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.  We will 
begin charging interest on cash advances and balance 
transfers on the transaction date.

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

None
None
- International transactions that involve currency
  conversions - 1%
- International transactions that do not involve currency
  conversions - 0.8%

10% of payment due with a minimum of $2.00 (maximum $25)
None
Up to $25

Fee for ATM cash advances - None if performed at a Tyndall 
Federal Credit Union Branch or a Tyndall Federal Credit 
Union Automated Teller Machine (ATM).  

REV. 08/2013 TFCU 6146

Cont'd on Back

I001264

How We Will Calculate Your Balance - Average Daily Balance

Variable Rate Information: The Index used to determine your variable APRs is the Prime Rate published in the 
Money Rates column of the Wall Street Journal on the last business day the rate is published in each calendar 
month.  If the Prime Rate changes, the new rate will take effect on the first day of the next billing cycle.  As of 
12/17/2008, the Prime Rate is 3.25%.

APR for Purchases and Balance Transfers:  To determine the APR for purchases and balance transfers, we add a 
margin of 4.70% to 9.65% to the Index (Prime Rate), with a cap of 18.00%.  If the Prime Rate decreases, the APR 
will also decrease. If the Prime Rate increases, the APR will also increase up to the cap of 18.00%.

APR for Cash Advances:  To determine the APR for cash advances, we add a margin of 4.70% to 9.65% to the 
Index (Prime Rate), with a cap of 18.00%.  If the Prime Rate decreases, the APR will also decrease. If the Prime 
Rate increases, the APR will also increase up to the cap of 18.00%.

Billing Rights - Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Agreement.

Wisconsin Fees Only:  Wisconsin law provides that no agreement, court order or individual statement 
applying to marital property will affect a creditor's interest unless prior to the time credit is granted, the 
creditor is provided with a copy of the agreement, court order or statement, or has actual knowledge of 
any adverse provision.

New York residents  may contact the New York State Banking Department at 1-800-518-8866 to obtain a 
New York residents  may contact the New York State Banking Department at 1-800-518-8866 to obtain a 
comparative listing of credit card rates, fees, and grace periods.
comparative listing of credit card rates, fees, and grace periods.

Ohio Residents:  The Ohio laws against discrimination require that all creditors make credit equally 
available to all credit worthy customers, and that credit reporting agencies maintain separate credit 
histories on each individual upon request.  The Ohio civil rights commission administers compliance 
with this law.

Washington State Residents:  Washington state law against discrimination prohibits discrimination in 
Washington State Residents:  Washington state law against discrimination prohibits discrimination in 
credit transactions because of race, creed, color, national origin, sex, or marital status.  The Washington 
credit transactions because of race, creed, color, national origin, sex, or marital status.  The Washington 
State Human Rights Commission administers compliance with this law.
State Human Rights Commission administers compliance with this law.