Georgia United Credit Union 
PO Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
www.gucu.org 

CREDIT CARD DISCLOSURE 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases  

VISA CASH BACK SIGNATURE 

1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be  
11.24% to 22.99% based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers* 

1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account 
opening. After that, your Standard APR will be 11.24% to 22.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Paying Interest 

13.24% to 24.99% based on your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on  purchases  if  you  pay  your  entire  new  purchase  balance  by  the  due  date  each  month.  We  will 
begin charging interest on cash  advances and balance transfers  on the date the cash advance or 
balance transfer is posted to your account. 

Minimum Interest Charge 

None 

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: 

Fees to Open or Maintain your 
Account: 
- 
- 

Annual Fee: 
Application Fee: 

Transaction Fees 

- 
- 
- 

Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees 

Late Payment: 
- 
-  Over-the-Credit Limit: 
- 

Returned Payment: 

None 
None 

None 
2% of each transaction that is greater than $2.00 
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States. 

Up to $25.00 if your payment is late 10 days or more 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment. 

*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans. 

Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 
Card Replacement Fee: 
Skip-A-Pay Fee: 
Expedited Card Fee: 

$10.00 
$25.00 
$50.00 

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