Visa Signature 
Credit Card Agreement

1. INTRODUCTION.
This VISA Credit Card Agreement (Agreement) and the Account 
Disclosures accompanying this Agreement will govern your 
Signature Visa account issued by OnPoint Community Credit 
Union. In this Agreement the words “you,” “your,” “yours,” 
“applicant,” and “Borrowers” mean any person who signs the 
application for this Account, any joint obligor, guarantor, or the 
person whose name is embossed on the Card. The words “we,” 
“our,” and “OnPoint” means OnPoint Community Credit Union. 
The word “Card” means any one or more credit cards issued 
under OnPoint’s Signature Visa program. Except as otherwise 
speci昀椀ed in this Agreement, all terms and conditions of this 
Agreement apply to any Card issued under any of the above-
referenced programs. If you sign a written or online application 
for this Account or sign or use any Card or PIN, or allow others 
to use the Card or PIN, you and they will have accepted this 
Agreement just as if you and they signed it, and you and they, 
jointly and severally, will be bound by the following terms and 
conditions which will govern this Account.

2. ACCOUNT ACCESS.
A. Purchases and Cash Advances. You must sign the Card to 
use it. Once you have signed the Card, you can use it to make 
purchase, cash advance and balance transfer transactions up to 
the full amount of your credit line. You may use your Account to 
get cash advances from OnPoint. You may also use your Card 
to get a cash advance from participating 昀椀nancial institutions 
or automated teller machines (ATMs). You may use your Card to 
purchase goods and services any place your Card is honored 
by participating merchants. No purchase amount may exceed 
the available funds in your account. Only credit card balance 
transfers you make from another institution will be permitted
and treated as a cash advance. OnPoint reserves the right to 
refuse any transaction that would draw upon insuf昀椀cient funds.

B. VISA Convenience Checks. If we approve, you may obtain 
advances under your Account by writing preprinted VISA 
convenience loan checks that we supply to you. Your use of 
loan checks will be shown as cash advances on your monthly 
statement. We may not honor your loan check if: your check is 
post-dated; payment of the check would exceed your Credit 
Limit; a check is signed by a person without authorized access; 
the amount of the check is less than the minimum required 

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amount; your Account has been terminated or suspended, 
or any drafts have been reported lost or stolen. You may stop 
payment on a loan check if you provide OnPoint with the exact 
information describing the check. If you give OnPoint incorrect 
information, we will not be responsible for failing to stop 
payment. You understand there may be a charge for each stop 
payment order requested. Our liability for a wrongful dishonor 
is limited to your actual charges, however, a dishonor for the 
reasons stated above is not a wrongful dishonor. Only the person 
whose name is printed on a convenience check may sign it. All 
convenience checks must be written in U.S. dollars. We will not 
certify a convenience check. You may write these checks for 
any amount providing your total outstanding balance does not 
exceed your available credit limit and your credit card remains in 
good standing. We are entitled to return it unpaid if there is not 
enough available credit on your account to pay it, if you are in 
default under this Agreement, if your card or convenience checks 
have been reported lost or stolen, or if the convenience check 
is post-dated. Over-limit fees will be charged as applicable. A 
VISA convenience check may not be used to make a payment on 
your Account. OnPoint shall have no liability for any convenience 
check returned in excess of your credit line.
C. Overdraft Advances. In the event we have approved 
overdraft protection for you, for any overdrafts on a savings 
or checking account of yours, we will treat the overdraft as 
a request for a cash advance on your credit line and we will 
transfer this amount to your overdrawn account. For purposes  
of this Agreement, an overdraft advance will be treated as a 
cash advance.

3. YOU PROMISE TO PAY.
You promise to pay OnPoint all such amounts, plus any Interest 
Charges, which arise from use of the Card or Account by you 
or any other person, and to be jointly and severally liable with 
such a person, unless such other person does not have actual, 
implied, or apparent authority for such use, and you received no 
bene昀椀t from the use. You promise to pay OnPoint either by direct 
payment or by automatic transfers from savings or checking.

4. CREDIT LINE.
This Agreement will constitute a revolving line of credit for 
an amount, which will be the credit line under your Account. 
You may access your credit line through Card purchases, cash 
advances at participating merchants and loan checks. We will 
advise you of the amount of your credit line on your statement. 
That amount will be the maximum amount you may have 
outstanding at any one time. You agree not to attempt to obtain 
more credit than the amount of your credit line. We retain the 
right to increase or decrease your credit line at any time for any 
reason. Any increase or reduction on the limit of your credit line 
will be shown on your monthly statement or by separate notice 
together with any changes in the applicable minimum monthly 
payments. Your eligibility for this credit line is determined by 
our loan policy and may be terminated at our sole discretion, 
without demand or notice. You may close your credit line at any 
time by notifying OnPoint in writing and returning all Cards cut 

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in half. If you terminate this Agreement or if we terminate or 
suspend your credit privileges, the provisions of this Agreement 
and your liability hereunder shall otherwise remain in full force 
and effect until you have paid OnPoint all sums due OnPoint 
under this Agreement and returned all Cards.

5. MINIMUM MONTHLY PAYMENT.
You agree that you will pay each month not less than the 
minimum monthly payment on or before the scheduled monthly 
due date. The minimum monthly payment will be 2% of your 
outstanding balance (“New Balance”) or $50.00, whichever is 
greater. If your outstanding balance is $50.00 or less, you agree 
to pay the balance in full. The total minimum payment due 
each month is the minimum monthly payment, any amounts 
past due and any overlimit amounts. You may pay in full for all 
your purchases and cash advances each month, or you may 
repay in monthly installments. We can accept late payments or 
partial payments, or checks, drafts, or money orders marked 
“payment in full” without prejudice to our rights under this 
Agreement, which are hereby explicitly reserved. A credit 
posting from a merchant or reversal of fees do not constitute a 
minimum monthly payment. Your payments may be allocated 
at the Credit Union’s discretion to pay off lower rate balances, 
such as promotional offers, before higher rate balances, such 
as cash advances or purchases. Payments in excess of the 
minimum payment will be allocated 昀椀rst to higher rate balances, 
as applicable. From time to time, we may allow you to skip 
your minimum monthly payment due. If you choose to skip that 
payment, Interest Charges will continue to accrue in accordance 
with this Agreement. You agree to make payments in 
accordance with the payment instructions on your statement. If 
you do not follow the instructions, there may be a delay in 
crediting your Account, which may result in late fees or 
additional interest charges.

6. SECURITY INTEREST.
You grant OnPoint a security interest under the Oregon Uniform 
Commercial Code in any goods purchased with your Card. 
You agree that all collateral you have given OnPoint to secure 
other open-end consumer loan obligations (except dwelling-
secured loans), in the past and in the future, will secure your 
obligations under this Agreement. In addition, by signing the 
Card Application, you have given OnPoint a security interest in all 
your deposits, present and future, and all accounts (except 
Individual Retirement Accounts) with OnPoint. You agree, upon 
default, OnPoint may apply all that is secured to pay any amounts 
due under this Agreement, without further notice to you. You also 
agree that cross-collateralization is a condition of receiving your 
card.

7. MONTHLY STATEMENTS.
Each month we will send you a statement showing purchases, 
cash advances, payments, and credits made to your Account 
during the billing cycle, as well as your “New Balance,” any 
Interest Charge and any late charge or other charges. Your

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statement also will identify the Minimum monthly payment  you 
must make for that billing period and the date it is due.  You 
agree to retain for statement veri昀椀cation copies of transaction 
slips resulting from each purchase, each advance, and other 
transaction on your Account. Unless you notify OnPoint of a 
billing error as described below, you accept your monthly 
statement as an accurate statement of your Account with 
OnPoint.

8. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE 
WILL BE IMPOSED.
The total outstanding balance of purchases and cash advances in 
the Account on the closing date of a billing cycle, including any 
fees and Interest Charges will be shown on the Periodic Statement 
for that billing cycle as the “New Balance.”
A. Cash Advances and Balance Transfers. An Interest Charge
will be imposed on cash advances (including balance transfers, 
convenience check advances and overdraft advances) from 
the date each cash advance is made or the  rst date of the billing 
cycle in which the cash advance is posted, whichever 
is later, until such advances are paid. There is no time period 
within which to pay to avoid a periodic Interest Charge on cash 
advances, including balance transfers and convenience check 
cash advances.
B. Purchases. An Interest Charge will be imposed on the portion 
of purchases included in the new balance that remains unpaid 25 
days after the closing date. This “grace period” allows you to 
avoid a Interest Charge on purchases for a billing cycle. However, 
to the extent you do not pay your purchase transactions from the 
previous billing cycle within the grace period, your Interest Charge 
will accrue from the date purchases are posted to your account.

9. METHOD USED TO DETERMINE THE BALANCE ON WHICH 
THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT 
OF INTEREST CHARGE.
We  gure the Interest Charge on your Account by applying the 
Periodic Rate to the “Average Daily Balance” of the account 
including current purchases and cash advances for your Account. 
To get the “Average Daily Balance” we take the beginning 
purchase and cash advance balances of your Account each day, 
add any new purchases and cash advances and subtract any 
payments or credits, unpaid Interest Charges and unpaid late 
charges. The Interest Charge is determined by multiplying the 
average daily balance by the number of days in the billing cycle 
and applying the Periodic Rate to that amount. No Interest Charge 
is imposed on purchases to the extent payments and credits for 
purchases are made within 25 days of the closing date of the 
previous billing cycle. The “Total Interest Charge” shown on your 
monthly statement consists of the periodic Interest Charge on 
purchases and the periodic Interest Charge on cash advances.

10. PERIODIC RATE AND CORRESPONDING ANNUAL 
PERCENTAGE RATE (VARIABLE).
A. Standard Rates. To obtain the Periodic Rate, we divide the 
Annual Percentage Rate by 365. The Annual Percentage Rate may 

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change as of the first day of each billing cycle, based on an index 
which is The Wall Street Journal Western Edition Prime Rate as of 
the 10th day of the month (or next business day if the 10th falls on 
a weekend), plus a margin. If the Prime Rate changes on the 10th 
day of the month, the change will be effective on the 1st day of 
your next billing cycle following the change. The margin for your 
Account depends on your credit profile and will be set forth in the 
Account Disclosure that is provided when your Account is 
opened, and is incorporated in this Agreement.

B. Introductory or Promotional Rates. At our discretion, 
we may offer you an introductory or promotional Annual 
Percentage Rate for your Account. Any introductory or
promotional Annual Percentage Rate will be subject to the terms 
of the offer and this Agreement. We will provide you with 
information on the offer, including the time period the 
introductory or promotional Annual Percentage Rate is in effect
in the Account Disclosure when you open your Account or in 
other materials that we send to you about the offer after you 
receive your Credit Card.

C. Penalty Rate. In the event you are in default of this
Agreement or if you have more than one late payment in 12
months the Annual Percentage Rate on your entire outstanding
balance will be increased to the Penalty Rate on the first day of
the new billing cycle following the late payment or notice of
default and will continue until you have 6 months without any
late or insufficient minimum payments or you satisfy the default
condition.

11. CONDITIONS UNDER WHICH OTHER CHARGES MAY
BE IMPOSED.
We may impose the following fees and charges on your Account:
A. Late Fee. If we do not receive your minimum payment within 3 
days of the due date, we may impose a Late Fee. If you have 
more than one late payment in 12 months your account may be 
subject to a penalty Annual Percentage Rate as set forth above.
B. Returned Item Fee. If any check we receive from you as 
payment on your Account is returned to OnPoint unpaid or for any 
convenience check drawn on your Account is returned unpaid, we 
may impose a Returned Item Fee.
C. Card Replacement Fee. We may impose a Card Replacement 
Fee for each VISA card that is lost, stolen, or damaged.
D. Annual Fee. There is no annual fee for use of your Card and
account.
E. Miscellaneous Photocopying. If you request a copy of a sales 
draft or other document, we may charge your Account $2.00 per 
copy and $25.00 per hour. These charges cover the costs of 
locating, copying, and delivering the documents to you. If a 
request is related to a billing error and an error is found, we will 
reverse any photocopying charges.

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F. ATM Fees. If you use an ATM to obtain a cash advance you
may be charged an ATM surcharge by the ATM operator or an 
ATM network utilized for such a transaction. The ATM surcharge 
may be charged to your account if you complete the transaction.
G. Attorney’s Fees and Costs. If you default on any part of this
Agreement, you agree to pay OnPoint all costs to collect your 
Account, including court costs and reasonable attorney fees
and collection agency costs whether or not there is a lawsuit, 
and fees on any appeal and fees for bankruptcy proceedings, 
appeals, and any post judgment collection services, if applicable.

12. CONDITIONS OF CARD USE.
The use of your Card and Account are subject to the following 
conditions:
A. Ownership of Cards. Any Card or other credit instrument or 
device which we supply to you is our property and must be 
returned to OnPoint, or to any person whom we authorize to act 
as our agent, or to any person who is authorized to honor the 
Card, immediately according to instructions. The Card may be 
repossessed at any time at our sole discretion without demand or 
notice. You cannot transfer your Card or Account to another 
person. You may not use the Card for any illegal or unlawful 
transactions and we may decline to authorize any transaction that 
we believe poses an undue risk of illegality or unlawfulness.
B. Honoring the Card. Neither we nor merchants authorized to 
honor the Card will be responsible for the failure or refusal to 
honor the Card or any other credit instrument or device we supply 
to you. If a merchant agrees to give you a refund or adjustment, 
you agree to accept a credit to your Account in lieu of a cash 
refund.
C. Currency Conversion . Purchases and cash advances made in 
foreign currencies will be billed to you in U.S. dollars. The 
currency conversion rate for foreign currency transactions is 
established by Visa Inc. Currently, the currency conversion rate 
used by Visa is a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable 
central processing date, which rate may vary from the rate Visa 
itself receives, or the government-mandated rate in effect for 
the applicable central processing date.
D. Notices and Payments. All notices will be sent to your address 
as shown on your OnPoint account. You agree to advise OnPoint 
promptly if you change your mailing address. All payments should 
be mailed to OnPoint at the remittance address shown on your 
monthly statements. Payments received at that address will be 
credited to your Account as of the date received.
E. Security of Access Code. The personal identification number 
(PIN) is for your security purposes. The access code is confidential 
and should not be disclosed to third parties or recorded. You are 
responsible for safekeeping your access code. You agree not to 
disclose or otherwise make your access code available to anyone 
not authorized to sign on your accounts. If you authorize anyone to 
have or use your access code, you understand that person may 
review all of your account information and make account 
transactions. Therefore, we are entitled to act on transaction

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instructions received using your access code and you agree that 
the use of your access code will have the same effect as your 
signature authorizing transactions. If you authorize anyone to use 
your access code in any manner that authority will be considered 
unlimited in amount and manner until you specifically revoke such 
authority by notifying OnPoint. You are responsible for any 
transactions made by such persons until you notify OnPoint that 
transactions and access by that person are no longer authorized. If 
you fail to maintain or change the security of these access codes 
and OnPoint suffers a loss, we may terminate your electronic funds 
transfer and account services immediately.

13. DEFAULT.
You will be in default under this Agreement if any of the following 
occur: (a) Any minimum monthly payment is not made when due; 
(b) You become insolvent, bankrupt, or you die; (c) You violate any 
part of this Agreement, or any other agreement with OnPoint; or 
(d) if we reasonably deem ourselves insecure on your credit line. 
We will notify you in writing of any such action as soon as practical 
if it occurs. Upon default, we may declare the entire unpaid 
balance immediately due and payable, and you agree to pay that 
amount plus any attorney’s fees and costs including collection 
agency costs incurred by OnPoint. We can delay enforcing any 
right under this Agreement without losing that right or any other 
right. A negative credit report reflecting on your credit record may 
be submitted to a credit-reporting agency if you fail to fulfill the 
terms of this Agreement.

14. CREDIT INFORMATION/FINANCIAL STATEMENTS.
You authorize OnPoint to release information to others (e.g., 
credit bureaus, merchants, and other financial institutions) 
regarding the status and history of your credit line. You agree to 
provide OnPoint, at any time we deem necessary, with a current 
financial statement and updated credit information upon request. 
We may investigate your credit directly or through a credit 
reporting agency.

15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD
You agree to notify OnPoint immediately of the loss, or the theft, 
or the use without your permission, of any Card or other credit 
instrument or device, which we supply to you. You may be liable 
for the unauthorized use of your Card. You will need to notify: 
OnPoint Community Credit Union, PO Box 31112, Tampa FL 
33631-3112 or Telephone: 1-866-820-5831 orally or in writing of 
loss, theft, or possible unauthorized use. If you notify OnPoint of 
your lost or stolen Credit Card after discovery, you may not be 
liable for any losses related to credit transactions. This zero liability 
will apply provided you were not grossly negligent or fraudulent in 
handling your Card; otherwise your liability for unauthorized VISA 
Credit Card transactions shall not exceed $50.

16. YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about 
your rights and our responsibilities under the Fair Credit 
Billing Act.

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A. What to do if you find a mistake on your statement. If you 
think there is an error on your statement, write to us at: OnPoint 
Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

• Description of problem: If you think there is an error on your 

bill, describe what you believe is wrong and why you believe it 
is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is 

scheduled, if you want to stop payment on the amount you 
think is wrong.

You must notify us of any potential errors in writing. You may call
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.
B. What will happen after we receive your letter. When we 
receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have already 
corrected the error.

2. Within 90 days of receiving your letter, we must either correct
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you 

as delinquent on that amount.

•  The charge in question may remain on your statement, and we 

may continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit. After 

we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.
•  If we do not believe there was a mistake: You will have to pay 

the amount in question, along with applicable interest and  fees. 
We will send you a statement of the amount you owe  and the 
date payment is due. We may then report you as  delinquent if 
you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us. If we do not follow all of the rules above, you 
do not have to pay the first $50 of the amount you question even 
if your bill is correct.

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C. Your rights if you are dissatisfied with your credit card
purchases. If you are dissatisfied with the goods or services that 
you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the 
purchase. To use this right, all of the following must be true:

1. The purchase must have been made in your home state 
or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 
of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that 
sold you the goods or services.)

2. You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatis昀椀ed 
with the purchase, contact us in writing at the above address. 
While we investigate, the same rules apply to the disputed 
amount as discussed above. After we 昀椀nish our investigation, 
we will tell you our decision. At that point, if we think you owe an
amount and you do not pay, we may report you as delinquent.

17. AMENDMENTS.
We reserve the right to amend the terms of this Agreement 
at anytime as permitted by and subject to any limitations and 
notice requirements of applicable law.

18. GOVERNING LAW.
This Agreement shall be governed by the laws of the State of 
Oregon.

19. NOTICE AND AGREEMENT.
You understand and agree to the terms and conditions in this 
VISA Credit Card Agreement. You acknowledge that you have 
received a copy of the Agreement. This Agreement is a  nal 
expression of the agreement between you and OnPoint. This 
Agreement may not be contradicted by evidence of any oral 
agreement or alleged oral agreement and contains the terms 
applicable to the credit transaction.

20. REWARDS.
Applicable to OnPoint Signature Visa with Rewards credit card 
only. Features are subject to Terms and Conditions posted at 
www.curewards.com.

21. CASH BACK REWARDS
Applicable to OnPoint Signature Cash Back credit card only. 
Must maintain quali cations for OnPoint Bundle Rewards. Cash 
back card rewards are credited annually to your open OnPoint 
checking account. If you close your OnPoint checking account 
before rewards are paid, even if your Signature credit card is 
active, you will forfeit your rewards for that year.

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MILITARY LENDING DISCLOSURE.
This Military Lending Disclosure is issued pursuant to and 
amends your Visa Credit Card Agreement and Account 
Disclosures as described below:

A. Borrower Certi昀椀cation of Active Duty. By requesting a 
Credit Card each borrower certi昀椀es to the Credit Union that 
borrower: (i) is a Covered member as a member of the Armed 
Forces who is currently serving on active duty (under a call 
or order not less than 30 days) Active Guard or Reserve duty; 
and (ii) borrower is the Covered Member or is a dependent of 
the Covered Member. Borrower(s) authorize the Credit Union 
to verify their status as a Covered Member or dependent by 
obtaining information from the database of the Department of 
Defense or from a consumer report obtained from a consumer 
reporting agency.

B. Military Annual Percentage Rate. Federal law provides
important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In 
general, the cost of consumer credit to a member of the Armed 
Forces and his or her dependent may not exceed an annual 
percentage rate of 36%. This rate must include, as applicable 
to the credit transaction or account: the costs associated with 
credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee
charged (other than certain application fees for a credit card 
account); and any participation fee charged (other than certain 
participation fees for a credit card account).

C. Payment Obligation. Your payment obligation under your 
Credit Card Account is set forth in Sec. 5 in the Visa Credit 
Card Agreement.

D. Security Interest. The Credit Union’s security interest in all 
your Credit Union shares or deposits pursuant to the Credit 
Card Agreement will not apply your Credit Card Account. A 
security interest in shares or deposits granted in connection
with any other credit card account, loan or line of credit does 
not secure the Credit Card Account identi昀椀ed above, in spite 
of any provision that collateral securing one loan secures all of 
your other Credit Union obligations. However, if you establish 
a deposit or share account speci昀椀cally in connection with your 
Credit Card Account, funds deposited in that account after you 
establish the Credit Card Account are subject to our security 
interest as set forth above in the Visa Credit Card Agreement.

E. Credit Union Toll-Free Telephone Number.
Call 1-800-527-3932 for information about the Military Annual 
Percentage Rate and your payment obligation.

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M-134687