PO Box 990 • Bremerton, WA 98337
(360) 662-2000 • (800) 422-5852
FAX (360) 307-2200

Important VISA Credit Card Disclosure. The following disclosure represents important details concerning your 
VISA  Credit  Card.  The  information  about  costs  of  the  Card  are  accurate  as  of  the  effective  date  of 
____________________. You can call Us at (800) 422-5852 or write to Us at Kitsap Credit Union, P.O. 990, 
Bremerton, Washington 98337 to inquire if any changes have occurred since the effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA: ________% Introductory APR for ____ months.

After that, Your APR will be ________% - ________% 
depending on Your creditworthiness at the time You established Your 
account. This APR will vary with the market based on the Prime Rate. 

VISA Rewards: ________% Introductory APR for ____ months.

After that, Your APR will be ________% - ________% 
depending on Your creditworthiness at the time You established Your 
account. This APR will vary with the market based on the Prime Rate. 

VISA  Signature  Cash  Back:  ________% 
for ____ months. 

Introductory  APR

After that, Your APR will be ________% - ________% 
depending on Your creditworthiness at the time You established Your 
account. This APR will vary with the market based on the Prime Rate. 

APR For Balance Transfers 

VISA: ________% Introductory APR for ____ months. 

After that, Your APR will be  ________% - ________% depending on 
Your creditworthiness at the time You established Your account. This 
APR will vary with the market based on the Prime Rate. 

VISA Rewards: ________% Introductory APR for ____ months. 

After that, Your APR will be  ________% - ________% depending on 
Your creditworthiness at the time You established Your account. This 
APR will vary with the market based on the Prime Rate. 

VISA  Signature  Cash  Back: 

________% 

Introductory  APR 

for ____ months. 

After that, Your APR will be  ________% - ________% depending on 
Your creditworthiness at the time You established Your account. This 
APR will vary with the market based on the Prime Rate. 

APR For Cash Advances 

VISA: ________% - ________% depending on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

VISA  Rewards:  ________% 

-  ________%  depending  on  Your 

creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

VISA Signature Cash Back: : ________% - ________% depending on Your 

creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest 
on Purchases 

We will not charge You interest on purchases if You pay Your entire balance 
owed each month within 25 days from Your statement closing date.  

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. 

Fees 

Transaction Fees 




Balance Transfer
Foreign Transaction

3.00% of each transfer ($10.00 minimum) 
2.00% of each foreign currency transaction in U.S. Dollars. 
1.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

 Late Payment
 Returned Payment

Up to $25.00 
Up to $28.00 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including 
new purchases)."  

Copyright Oak Tree Business Systems, Inc. 2014-2019. All Rights Reserved. 

OTBS 054 KITS (6/19)