Red Canoe Credit Union 
VISA Platinum Credit Card Account Disclosures 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases and Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

4.90%1 Introductory APR for 6 months from date of account opening.
After that, your APR will be 8.90%-19.90%2.
10.90%-21.90%3 
19.90%4,5 (add 2% to the Penalty APR for cash advance balances) 

This APR may be applied to your account if you make a late payment. 

How Long Will the Penalty APR Apply?  If your APRs are increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 

Your due date is approximately 25 days after the close of each billing cycle. 
We will not charge any interest on the portion of the purchases balance that 
you pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction 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 
www.consumerfinance.gov/learnmore. 

Annual Fee 

Transaction Fees 

FEES 

None 

• Cash Advance Fee

• Balance Transfer Fee

Either $5 or 2% of the amount of each cash advance, whichever is greater. 

Either $5 or 2% of the amount of each balance transfer, whichever is greater. 

•

Foreign Transaction Fee

Up to 1% of the US dollar amount of the foreign transaction. 

Penalty Fees 

•

Late Payment Fee

• Returned Payment Fee

Up to $25. 

Up to $25. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 
Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Credit Card Account Agreement. 

These Account Disclosures for the VISA Platinum Credit Card are part of and integrated with your VISA Platinum Credit 
Card Agreement with Red Canoe Credit Union. We reserve the right to amend the VISA Platinum Credit Card Agreement 
as permitted by law. The above rates and fees are effective as of May 1, 2012 

1Daily Periodic Rate for Introductory APR shown above is: .01342%. 
2 Daily Periodic Rate for the APR shown above applicable to Purchases and Balance Transfers after introductory period is: .02438%-05422%. 
3 Daily Periodic Rate for APR shown above applicable to Cash Advances is: .02986-.06000%. 
4Daily Periodic Rate for the Penalty APR shown above is: .05726%. 
5 Daily Periodic Rate for the Cash Advance Penalty APR shown above is: .06000%

Page 5 -  VISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE 

©2011 Farleigh Wada Witt 
P:\DOCS\REDCCU\69556\DOC\33K425601.DOC 

04/15/2016Red Canoe Credit Union 
VISA Platinum Rewards Credit Card Account Disclosures 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases and Balance Transfers 

4.90%1 Introductory APR for 6 months from date of account opening.

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

After that, your APR will be 9.90%-20.90%2.
11.90%-22.90%3 
20.90%4,5 (add 2% to the Penalty APR for cash advance balances) 

This APR may be applied to your account if you make a late payment. 

How Long Will the Penalty APR Apply?  If your APRs are increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 

Your due date is approximately 25 days after the close of each billing cycle. 
We will not charge any interest on the portion of the purchases balance that 
you pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction 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 
www.consumerfinance.gov/learnmore 

Annual Fee 

Transaction Fees 

FEES 

None 

• Cash Advance Fee

• Balance Transfer Fee

Either $5 or 2% of the amount of each cash advance, whichever is greater. 

Either $5 or 2% of the amount of each balance transfer, whichever is greater. 

•

Foreign Transaction Fee

Up to 1% of the US dollar amount of the foreign transaction. 

Penalty Fees 

•

Late Payment Fee

• Returned Payment Fee

Up to $25. 

Up to $25. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Credit Card Account Agreement. 

These Account Disclosures for the VISA Platinum Rewards Credit Card are part of and integrated with your VISA Platinum 
Rewards  Credit  Card  Agreement  with  Red  Canoe  Credit  Union.  We  reserve  the  right  to  amend  the  VISA  Platinum 
Rewards Credit Card Agreement as permitted by law. The above rates and fees are effective as of May 1, 2012. 
 1Daily Periodic Rate for Introductory APR shown above is: .01342%.
2 Daily Periodic Rate for the APR shown above applicable to Purchases and Balance Transfers 
  after introductory period is: .02712%-.05726%. 
3 Daily Periodic Rate for APR shown above applicable to Cash Advances is: .03260%-.06274%. 
4 Daily Periodic Rate for the Penalty APR shown above is: .05726%. 
5 Daily Periodic Rate for the Cash Advance Penalty APR shown above is: .06274%. 

Page 5 -  VISA PLATINUM REWARDS CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE 

©2011 Farleigh Wada Witt 
P:\DOCS\REDCCU\69556\DOC\33N4575.DOC 

04/15/2016