This Agreement and Disclosure supersedes any bene昀椀t and description 
you may have received earlier. Please read and retain for your records.

4. VARIABLE RATE CALCULATION:
Purchase Rate 

Your TruWest® Credit Union Visa® Card
Supplemental Visa Agreement & Disclosure

Signature Visa Cards - E昀昀ective 4/13/2020 

For questions about your balance, call the customer 
service number on your Visa statement.

1. BALANCES ON WHICH FINANCE CHARGES 
(INTEREST) ARE COMPUTED:
Principal balances of Purchases, Cash Advances and 
Balance Transfers are determined each day during the 
statement period, beginning with the principal portion 
of your Previous Balances, reduced by payments you 
make and credits we apply during the statement period, 
and increased by Purchases, Cash Advances and 
Balance Transfers you make, and debit adjustments we 
make during the statement period. The Finance Charges 
for a billing cycle are computed by applying the Periodic 
Rate to the “average daily balance” of purchases (and 
if applicable, cash advances). To get the average daily 
balance, we take the beginning balance of your account 
each day, add any new purchases, cash advances and 
balance transfers, and subtract any payments, credits, 
non-accruing fees, and unpaid 昀椀nance charges. This 
gives us the daily balance. Then we add up all the daily 
balances for the billing cycle and divide the total by 
the number of days in the billing cycle. All Automated 
Teller Machine (ATM) transactions, Credit Card Checks, 
Overdraft Protection Advances and Cash Advances 
with the Card(s) (however made, including online) are 
considered Cash Advances.

2. CASH ADVANCES:
Cash Advances on the account that do not exceed 
the account’s Cash Limit may be obtained by the 
Cardholder. We will advise you of your cash advance 
limit in writing and it will become part of this agreement 
by reference. FINANCE CHARGES will accrue on all 
Cash Advances from the date the advance is made on 
the Cardholder’s account until the Cash Advance is 
paid in full.

3. BALANCE TRANSFERS:
Balance Transfers on the account that do not exceed 
the account’s Credit Limit may be obtained by the 
Cardholder. We will advise you of your credit limit in 
writing and it will become part of this agreement by 
reference. FINANCE CHARGES will accrue on all 
Balance Transfers from the date the transfer is made on 
the Cardholder’s account until the Transfer is paid in full.

We calculate your variable purchase rate by adding 
between 4.65% and 5.65% (“margin”) to the Prime rate 
published in the “Money Rates” section of The Wall 
Street Journal (“Index”) on the 昀椀rst day of January, April, 
July and October. If the Journal is not published on 
that day, then see the immediately preceding edition. If 
Prime changes, your new rate will take e昀昀ect on the 昀椀rst 
day of February, May, August and November.

Cash Advance Rate

We calculate your variable cash advance rate by adding 
between 12.65% and 13.65% (“margin”) to the Prime 
rate published in the “Money Rates” section of The Wall 
Street Journal (“Index”) on the 昀椀rst day of January, April, 
July and October. If the Journal is not published on 
that day, then see the immediately preceding edition. If 
Prime changes, your new rate will take e昀昀ect on the 昀椀rst 
day of February, May, August and November.

Balance Transfer Rate

We calculate your variable balance transfer rate by 
adding between 4.65% and 5.65% (“margin”) to the 
Prime rate published in the “Money Rates” section 
of The Wall Street Journal (“Index’) on the 昀椀rst day 
of January, April, July and October. If the Journal is 
not published on that day, then see the immediately 
preceding edition. If Prime changes, your new rate will 
take e昀昀ect on the 昀椀rst day of February, May, August 
and November.

5. FINANCE CHARGES:
The FINANCE CHARGE is the amount of money that 
you pay for the money you borrow. You can avoid 
FINANCE CHARGES (interest) on your New Purchases 
balance by paying the entire account balance (shown 
as the Total New Balance) by the Account Statement’s 
“Payment Due” date. FINANCE CHARGES on New 
Purchase and Balance Transfer balances are calculated 
at the periodic rate between 0.65833% and 0.74167%, 
which corresponds to an ANNUAL PERCENTAGE RATE 
between 7.90% and 8.90%. FINANCE CHARGES on the 
average daily balances of Cash Advances are calculated 
at the periodic rate between 1.32500% and 1.40833% per 
month, which corresponds to an ANNUAL PERCENTAGE 
RATE between 15.90% and 16.90%.

6. MONTHLY PAYMENT:
We will mail you a statement each month when 
transactions or an owing balance appears on your 
account. The statement will show your Previous Balances 
of Purchases, the current transactions on your account, 
the remaining credit available under your Credit Line, the 

New Balance of purchases, the Total New Balance, the 
FINANCE CHARGES due date, any other billed fees, 
and the Minimum Payment required. If you signed up 
to receive your statements electronically (e-statement), 
we will send you an electronic noti昀椀cation when your 
statement is ready for you to view. You must pay at least 
the Minimum Payment required by the Payment Due 
Date noted on your statement. The Minimum Payment 
will be either (a) 2.5% of your Total New Balance, 
or $25, whichever is greater, or (b) your Total New 
Balance, if it is less than $25 plus (c) any portion of the 
Minimum Payment(s) shown on prior statement(s) which 
remains unpaid. At any time your Total New Balance 
exceeds your Credit Limit, you must immediately pay 
the excess upon our demand. You may pay more 
frequently, pay more than the Minimum Payment or 
pay the Total New Balance in full before the “Payment 
Due” date. You will avoid FINANCE CHARGES on 
New Purchases if you pay the Total New Balance in full 
before the “Payment Due” date. All mailed payments 
must be made by check or money order. You agree that 
any payment you make may be returned to you without 
applying it to your Account and without presentment 
or protest, for any reason, including if the check or 
money order is (1) not drawn on the U.S. Post O昀케ce or 
a 昀椀nancial institution located in the United States; (2) 
missing a signature; (3) restrictively endorsed; (4) post 
dated; (5) not payable to TruWest Credit Union; (6) not 
drawn in U.S. dollars on funds on deposit in the U.S.; 
or (7) not paid upon presentment. You agree to pay any 
bank or 昀椀nancial institution collection fees we incur for 
any check payments made in U.S. Dollars drawn on a 
昀椀nancial institution not located in the United States. All 
payments under this Agreement must be received at the 
address speci昀椀ed on your billing statement. Disputed 
payments, including those marked “Payment in Full” 
or otherwise restrictively endorsed must be mailed to 
TruWest Credit Union, PO Box 78637, Phoenix, AZ 
85062-8637.

7. HOW WE ALLOCATE YOUR PAYMENTS:
For minimum periodic payments, the payment will be 
allocated 昀椀rst to the balance with the lowest APR. For 
payments in excess of the required minimum periodic 
payment, the excess payment amount will be allocated 
昀椀rst to the balance with the highest APR and any 
remaining portion to the other balances in descending 
order based on the applicable annual percentage rate. 
This will result in balances with higher APRs (such as 
cash advances) being paid before any other existing 
balances.

8. FEES:

ANNUAL FEES: NONE
CREDIT CARD CHECKS: NONE
TRANSACTION FEE: NONE
OVER LIMIT FEE: NONE
BALANCE TRANSFER FEE: 
3% of each balance transfer

CASH ADVANCE FEE: 

4% of the amount of each cash advance
OVERDRAFT PROTECTION ADVANCE: 

$2.00 per advance

9. OTHER CHARGES:
Late Payment charge: 

A late payment fee equal to your minimum payment 
due, but no more than $25.00, will be charged to 
your Visa account for each billing cycle that the 
minimum payment due is received after the 
“Payment Due Date”. 

Statement copy charge: 

The Credit Union will charge your Visa account $1.00 
per page for each Visa statement copy you request. 

Transaction Draft copy charge: 

The Credit Union will charge your Visa account $0.50 
for each original transaction draft you request. 

Returned Item charge: 

A returned item fee equal to your minimum payment 
due, but no more than $25.00, will be charged to 
your Visa account for each dishonored check or other 
transfer processed by the Credit Union as payment on 
your Visa account.

Replacement card(s) charge: 

You will receive the 昀椀rst replacement card at no 
charge. The Credit Union will charge your Visa 
account $5.00 for each additional card requested. 

Overnight mail charge: 

If you request your replacement card be delivered by 
overnight mail, the Credit Union will charge your Visa 
account $25.00. 

Priority mail charge: 

If you request your replacement card be delivered by 
priority mail, the Credit Union will charge your Visa 
account $15.00.

10. TRUREWARDS POINT PROGRAM:
Every dollar of your net purchases on your account 
will earn one reward point. Points begin to accumulate 
with purchases made on the 昀椀rst day of use. Credit 
card checks, balance transfers, and cash advances 

are not part of the TruRewards program. Points can be 
redeemed for gift cards, travel discounts, cash back, and 
merchandise. For more information please call 888-995-
1271. Point requirements are subject to change from time 
to time and gift cards, travel discounts, cash back, and 
merchandise may be substituted at any time. Unused 
points, older than 48 months from the date they were 
issued, will expire annually on December 31. Accounts 
must be open and current at the time of any reward 
redemption. Contact 
888-995-1271 or visit the TruRewards web site for a full 
listing of program rules.

11. OVERDRAFT PROTECTION USING YOUR 
TRUWEST CREDIT CARD: 
Cardholders can select their TruWest credit card as an 
option for Overdraft Protection.  By selecting your credit 
card as an Overdraft Protection option, the Credit Union 
will automatically transfer from your TruWest credit card 
account the exact amount needed, plus a $2 service 
charge. Transfers will not be made if your credit card 
account is over limit or contractually past due. A 昀椀nance 
charge will be assessed on the same basis as any other 
credit card Cash Advance in accordance with the credit 
card agreement.  You authorize us to make an Overdraft 
Protection advance from your card as provided in this 
agreement.  We may cancel Overdraft Protection in 
our discretion, even if the card remains open for other 
purposes.  We may also change the terms and 
conditions or eligibility of participating at any time.  

12. SKIP PAY OPTION: 
Eligible cardholders may have the ability to skip a credit 
card payment.  To qualify for a skip payment:
  •  the Credit Card account must be opened for at least six  
     months with a payment made each month; 
  •  Savings or spending account must have enough funds  
     to cover any applicable fees;
  •  Your Credit Card may not be past due, have any  
     unpaid fees, or in default; and 
  •  One Skip Payment is allowed per credit card per rolling  
     calendar year (12 months).  

When you take advantage of the Skip Pay Option, the 
interest will continue to accrue on the entire unpaid 
balance of your Card.  

The Skip Pay option is further subject to the Skip Pay 
Program terms and conditions, which are incorporated 
herein and as amended from time to time.  We may 
cancel, restrict, amend, or modify the skip pay option 
or program at any time.  

13. MILITARY LENDING ACT NOTICE:
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 percent. 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 speci昀椀ed credit transactions or 
accounts); and any participation fee charged (other
than certain participation fees for a credit card account).

TruWest® Credit Union
Federally Insured by NCUA

1667 N Priest Dr, Tempe, AZ 85281
1 (855) 878-9378