APGFCU� Cash Back Credit Card Disclosure
Statement and Agreement
In this Agreement the words �you� and �your� mean each and all of those who 
apply for the card or use the card. �Card� means the Cash Back Visa� Credit 
Card and any duplicates and renewals we issue. �Account� means your APGFCU 
Cash Back Visa Credit Card Line of Credit account with us. �We,� �us� and 
�ours� means Aberdeen Proving Ground Federal Credit Union (APGFCU). By 
signing, using or accepting the APGFCU Cash Back Visa Credit Card, you 
acknowledge receipt of this Agreement and agree to terms herein.
1. Responsibility: If we issue a card, you agree to repay all amounts 
advanced to you, any fees or charges and the FINANCE CHARGE arising from 
the use of the card and the card account. For example, you are responsible for 
charges made by yourself, your spouse and minor children and anyone else to 
whom you give the card. You may request additional cards for individuals you 
designate as authorized users. You are responsible to repay all amounts 
advanced by authorized users, any fees or charges and the FINANCE CHARGE 
arising from their use of the card. If you notify us that someone you have given 
your card is not authorized to use it any more, we will cancel the card. You will 
remain liable for the charges they make until the time we cancel the card. You 
cannot disclaim responsibility by notifying us, but we will close the account for 
new transactions if you so request. Your obligation to pay the account balance 
continues even though an agreement, divorce decree or other court judgments 
to which we are not a party may direct you or one of the other persons 
responsible to pay the account.
2. Lost Card Notification:  If you believe the card has been lost or stolen, 
you should immediately call the Credit Union during business hours at 410-
272-4000 or toll-free at 1-800-225-2555.
3. Liability for Unauthorized Use: You may be liable for the unauthorized 
use of your card.  You agree to notify us immediately in the event of the loss, 
theft or unauthorized use of your card by telephone at 410-272-4000 or toll-
free at 1-800-225-2555 or by writing APG Federal Credit Union, P.O. Box 1176, 
Aberdeen, MD 21001. Until you do, you may have to pay up to $50 for the 
purchases and/or cash advances made by anyone who used your card without 
your permission.  You may also be liable for the unauthorized use of convenience 
checks.
4a. Credit Line:  If we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when we issue 
the card. You agree not to let the account balance exceed this approved Credit 
Line. Each payment you make on the account will restore your Credit Line by 
the amount of the payment which is applied to principal. You may request an 
increase in your Credit Line by written application, or telephone call to us at 
1-800-225-2555, which must be approved by us. By giving you written notice, 
we may reduce your Credit Line from time to time, or, with good cause, revoke 
your card and terminate this Agreement. Upon revocation of your card any 
outstanding balance and FINANCE CHARGE shall immediately become due and 
payable under the terms of this Agreement. Good cause includes your failure 
to comply with this Agreement, our adverse reevaluation of your creditworthiness 
or your use of this card in furtherance of any purpose deemed to be illegal 
under state or federal law. You may also terminate this Agreement at any time, 
but termination by either of us does not affect your obligation to pay the 
account balance and FINANCE CHARGE arising from authorized use of the 
card. The cards remain our property and you must recover and surrender to us 
all cards upon our request and upon termination of the Agreement.
4b. Balance Transfers:  Balance transfers are a feature of your card, which 
you may access anytime or during promotions we may offer from time to time. 
You may transfer balances from other creditors up to your available credit limit. 
Balances you transfer from other creditors will be treated as cash advances for 
the purpose of this agreement and will be subject to your standard cash 
advance APR unless a promotional APR applies. Any balance transfer 
promotional offers will describe the  terms and conditions of the offer. Balance 
transfers may not be used to pay any amount owed to us on this credit card 
agreement or any other APGFCU credit card or loans you may have with us. If 
you transfer your balances you may lose your grace period on purchases.5. Checking Overdraft Protection:  This Cash Back Visa Credit Line also 
allows you to overdraft your checking account for any lawful purpose except for 
payment to this Cash Back Visa Credit Card account and shall be subject to 
service charges in accordance with the rate schedules disclosed in the Cash 
Back Visa Credit Card Application, Cash Back Visa Credit Approval Letter, and/or 
Cash Back Visa Credit Card Disclosure Statement and Agreement. We will credit 
to your checking account, in multiples of $50, an amount (the advance) 
sufficient to permit us to honor such check. Such credit advances are considered 
by us as cash advances and are subject to the terms and conditions concerning 
cash advances in this Agreement.
6. Credit Information: You authorize us to investigate your credit standing 
including your ability to pay, obtain and verify credit reports and other 
information about you when opening, renewing or reviewing your account, and 
you authorize us to disclose information regarding your account to credit 
bureaus and other creditors who inquire of us about your credit standing, 
subject to applicable law.
You agree that we will give information about the Account to credit reporting 
agencies. We will tell a credit reporting agency if you fail to comply with any 
term of this Agreement. This may have a negative impact on your credit report.
7. Monthly Payment: We will mail you a statement every month showing your 
Previous Balances of purchases, cash advances, balance transfers and earned 
cash back awards; the current transactions on your account; the remaining 
credit available under the Credit Line; the New Balances of purchases, cash 
advances and balance transfers; the New Balance Total; the FINANCE CHARGE 
due to date; any other billed fees; and the Minimum Payment required. Each 
month, you must pay at least the Minimum Payment within 25 days of your 
statement closing date. You may authorize us to charge the Minimum Payment 
automatically to your share account with us. You may, of course, pay more 
frequently, pay more than the Minimum Payment, or pay the Total New Balance 
in full, and you will reduce the FINANCE CHARGE by doing so.
 
The Minimum Payment on your account will be either (a) 2.0% 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. In addition, at any time your Total New 
Balance exceeds your Credit Line, you must immediately pay the excess without 
our demand.
 
Subject to applicable law, your payments may be applied to what you owe the 
Credit Union in any manner the Credit Union chooses.  However, in every case, 
in the event you make a payment in excess of the required minimum periodic 
payment, the Credit Union will allocate the excess amount first to the balance 
with the highest annual percentage rate and any remaining portion to the other 
balances in descending order based on applicable annual percentage rate.
8. Irregular Payments: We can accept late payments, partial payments, 
checks and money orders marked �paid in full� or language having the same 
effect without losing any of our rights under this agreement.
9. Finance Charge:  You can avoid the FINANCE CHARGE on purchases by 
paying the full amount of the New Balance Total each month within 25 days of 
your statement closing date. Otherwise, the New Balance, including purchases, 
cash advances, and subsequent purchases from the date they are posted to 
your account, will be subject to the FINANCE CHARGE. Cash advances, balance 
transfers, convenience checks are always subject to the FINANCE CHARGE from 
the date they are posted to your account.
The FINANCE CHARGE (interest) is calculated on the average daily principal 
balances of purchases and cash advances in  the account at the daily periodic 
rate and corresponding Annual Percentage Rate disclosed in the Cash Back Visa 
Credit Card Approval Letter.
The principal balances of purchases, cash advances and balance transfers are 
determined each day during the statement period, beginning with the principal 
Page 1 of 4 portion of your Previous Balances, reduced by payments you make and credits 
we apply, and increased by purchases, cash advances and balance transfers you 
make and debit adjustments we make during the statement period. The daily 
principal balances are totaled and divided by the number of days in the statement 
period, to produce separate average daily principal balances for purchases, cash 
advances and balance transfers to which the periodic rate is then applied.
10. Variable APR Based on Prime: Your Annual Percentage Rate is based on 
the U.S. Prime Rate (�Prime Rate�). Your Annual Percentage Rate will equal the 
Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual 
Percentage Rate to increase. If the Prime Rate decreases, it will cause the 
Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in 
your daily balance may increase if the Prime Rate rises and will decrease if the 
Prime Rate falls. For example, a change in the Prime Rate of one percentage 
point will result in a one percentage point change in the same direction in your 
Annual Percentage Rate with a corresponding change in your daily periodic rate. 
For each billing period, we use the Prime Rate published in The Wall Street 
Journal on the first business day of each month. If the Prime Rate causes an 
Annual Percentage Rate to change, we put the new Annual Percentage Rate into 
effect as of the first day of the billing period following the month in which the 
Prime Rate changed. We apply the new Annual Percentage Rate to any existing 
balance, subject to any promotional rates that may apply.
The Cash Back Visa margin is determined based on an evaluation of each 
member�s credit history. The margin will range from 7.99% to 14.24%.
The Annual Percentage Rate will not increase to more than 18% (or such other 
rates as may be permitted under the Federal Credit Union Act).
Your Annual Percentage Rate may also change in the event that you request and 
are approved for an increase or decrease in your Credit Line or request and are 
approved to change your credit product.
11. Military Lending Act: 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 or debt 
protection fees; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation fee charged 
(other than certain participation fees for a credit card account). To receive this 
notice verbally, please call 800-225-2555 24 hours a day, 7 days a week.
Certain contractual provisions, as more fully set forth in 32 C.F.R. Section 232.8, 
are not permitted in loan agreements with borrowers covered by the Military 
Lending Act (MLA). To the extent that any of those provisions are contained in 
these disclosures, they shall be inapplicable to covered borrowers under the 
MLA.
12. Late Charge:  If you fail to pay the minimum on your account within fifteen 
(15) days of the payment due date, a late payment charge will be assessed and 
added to your account.
13. Fees:  The Cash Back Visa Card account shall be subject to service charges 
in accordance with the rate schedules disclosed in the Cash Back Visa Credit 
Card Application, Cash Back Visa Credit Approval Letter, and/or Cash Back Visa 
Credit Card Disclosure Statement and Agreement. If you request photocopies of 
sales slips, duplicate copies of monthly billing statements or a replacement card, 
you agree to pay our reasonable costs for such services. The present charges  
for these services are stated specifically in the current Service Price List. You can 
pick one up in any branch or call us and we�ll mail a copy to you.
14a. Default: You will be in default if you fail to make the minimum payment 
within 25 days after your monthly statement closing date. You will also be in 
default if: (a) you breach any other conditions of the Agreement; (b) bankruptcy 
or insolvency proceedings are started by you or against you; (c) if we determine 
your creditworthiness (which includes your ability to repay us) has become 
unsatisfactory due to change in employment, increase in your other obligations, 
or because of any other reason; (d) in the event of your death; (e) your use 
of the card in furtherance of any purpose deemed to be illegal under state or federal law; or (f) we discover at any time that you provided false or fraudulent 
information in your credit application.
In the event of any default or in the event this Agreement is terminated by you 
or by us for any reason, the entire balance on the Account becomes due and 
payable forthwith. You also agree that, in case of default, you will pay all usual 
and customary costs of collection permitted by law, including court costs and 
reasonable attorney fees. You agree that the jurisdiction in any dispute or for 
any collection purposes will be in the State of Maryland.
 
14b. Penalty APR:  The Penalty APR may be applied to your account if you:
� Are over 60 days past due or
� Make a payment that is returned and causes your account to be over 60 
days past due.
The penalty APR is 18.00% (or such other rates as may be permitted under the 
Federal Credit Union Act). If the penalty APR is applied to your account, it will 
apply to both existing and new transactions. It will no longer apply to existing 
transactions if you make the next six consecutive minimum payments. If you 
do not make these six consecutive minimum payments, the Penalty APR may 
continue to apply to both new and existing balances indefinitely.
15. Using the Card: You must sign your card to use it.  To make a purchase 
or cash advance, there are two alternative procedures to follow. One is for you 
to present the card to a participating Visa plan merchant, to us or to another 
financial institution. You may be required to sign the sales or cash advance draft. 
The other is to complete the transaction by using your Personal Identification 
Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) 
or other type of electronic terminal that provides access to the Visa system. ATM 
transactions are subject to cash advance fees.
The monthly statement will identify the merchant, electronic terminal or financial 
institution at which transactions were made, but sales, cash advance, credit or 
other slips cannot be returned with the statement. You should retain the copy of 
such slips furnished at the time of the transaction in order to verify the monthly 
statement. The Credit Union may make a reasonable charge for photocopies of 
slips you may request.
We may issue Cash Back Visa Convenience Checks to you which may be used to 
obtain cash advances. Each Convenience Check will contain your Credit Union 
member number and may be used only by the person whose name is printed on 
it. Each must be completed and signed in the same way as a regular personal 
check. You may not use a Cash Back Visa Convenience Check to pay any amount 
owed to us on this credit card agreement or any other APGFCU credit card or 
loans you may have with us.
If you give your account number to make a purchase or obtain a cash advance 
without presenting the card (such as for online, mail order or telephone 
purchase), the legal effect will still be the same as if the card itself was used 
by you.
We are not responsible if anyone refuses to honor your credit card or Convenience 
Check.
16. Prohibited Use of the Card: You may not use your card to buy lottery 
tickets, place bets or gamble if these transactions are made online. You also may 
not use your card for any  illegal transactions.
17. Stop Payment:  If before a Balance Transfer or Convenience Check drawn 
on your Account has been honored, you notify us not to pay it, we will stop 
payment on the check. You must send us a written and signed stop payment 
order which states the number, payee, amount, and date of the check on which 
payment is to be stopped. We may disregard any such order six months after our 
receipt unless you renew your request.
18. Returns and Adjustments:  Merchants and others who honor the card 
may give credit for returns or adjustments, and they will do so by sending us a 
credit which will be posted to your account. If your credits and payments exceed 
what you owe us, we will hold and apply this credit balance against future 
purchases and cash advances, or refund it and transfer the credit balance to 
your share account.
Page 2 of 4 19. Foreign Transactions: Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to you in U.S. dollars. The 
conversion rate to dollars and the fees for all international transactions will be in 
accordance with the operating regulations of Visa USA, Inc. The exchange rate 
between the transaction currency and the billing currency used for processing 
international transactions 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 processing date. In addition, a fee of 
1% of the transaction amount may be charged on all international transactions 
regardless of whether or not currency conversion is involved.
20. Plan Merchant Disputes: We are not responsible for the refusal of any 
plan merchant or financial institution to honor your card. We are subject to 
claims and defenses (other than tort claims) arising out of goods or services 
you purchase with the card only if you have made a good faith attempt, but 
have been unable to obtain satisfaction from the plan merchant, and: (a) your 
purchase was made in response to an advertisement we sent or participated in 
sending you; or (b) your purchase cost more than $50 and was made from a plan 
merchant in your state or within 100 miles of your home. Any other disputes you 
must resolve directly with the plan merchant.
21. Effect of Agreement:  This Agreement is the contract which applies to all 
transactions of your account even though the sales, cash advance, balance 
transfer or convenience checks you sign may contain different terms. We may 
amend this Agreement from time to time by sending you advance written 
notice required by law. The Amendment will become effective on the effective 
date stated in the notice. Use of your card after receiving notice of a change 
will further evidence your agreement to the change. If you give us written 
notice that you do not agree to the change, we will terminate your account and 
you will be permitted to pay the outstanding balance as of the effective date 
under the terms of the Agreement governing your account at the time our 
notice was given. If you use your card after the effective date of this Agreement 
or any Amendment, you will be considered to have agreed to the new terms 
even if you have sent us such written notice. To the extent the law permits, and 
we indicate in our notice, amendments will apply to your existing account 
balance as well as future transactions.
22. Notices: We mail you statements and notices through the U.S. Mail, 
postage prepaid, and address them to you at the latest billing address on our 
records or, if you�ve agreed, by email to the address you gave us. Any notice 
that we send you through the U.S. Mail is deemed to be given when deposited 
in the U.S. Mail. We consider an electronic notice sent as soon as we email it, 
unless we receive notification that the email was undeliverable. You must notify 
us immediately if you change the address to which we send billing statements. 
If you have more than one account you must notify us and we will change the 
address on all accounts.  We may update your billing address if we receive 
information that it has changed or is incorrect. 
23. No Waiver: The Credit Union can delay enforcing any of its rights any 
number of times without waiving them.
24a. Cash Back Awards:  Your APGFCU Cash Back Visa official rules and 
important terms associated with the use of the card and payment of the Cash 
Back award, including provisions related to eligible transactions, payment of cash 
awards and other important conditions and limitations are detailed below. 
You must be an individual and use the account only for personal, family or 
household expenses. Corporations, partnerships and other entities may not 
participate. Your account must be open and in good standing to earn Cash Back 
awards. By signing, accepting or using the Cash Back card, the primary card 
member constitutes acceptance of these terms and conditions.  
Cash Back awards have no cash value or value of any kind until they are 
deposited into your share account as dollars earned. You are solely responsible 
for any taxes that may be owed as a result of receiving Cash Back awards.
You will earn 1.5% Cash Back awards for each one dollar ($1.00) of all new retail 
purchases less credits, returns and adjustments (�Net Purchases�) charged in a 
statement period made by you and/or any Authorized User of the card.  Cash 
Back awards will be posted to the primary card member�s regular share account 
on the next business day following the end of your credit card statement period. Cash Back awards paid will be disclosed on your credit card statement for the 
previous month.  There is no minimum or maximum award you may earn. Cash 
back awards earned will be paid in U.S. Dollars and rounded to the nearest cent. 
Account adjustments, returns, credits, disputes may affect the amount of any 
Cash Back award paid.
Balance transfers, cash advances (or cash equivalent transactions such as the 
purchase of foreign currency), money orders, travelers cheques, prepaid cards, 
cashier�s checks, convenience checks, ATM cash disbursements, loan payments, 
fees, interest charges and disputed or unauthorized/fraudulent transactions are 
not considered purchases and will not earn Cash Back awards.
APGFCU reserves the right, at its sole discretion, to disqualify any card member 
from receiving Cash Back awards and to forfeit any and all Cash Back awards 
earned but not yet paid for abuse, fraud, lottery, gaming or any violations of 
the Credit Card Disclosure Statement and Agreement. If you dispute any aspect 
with respect to your Cash Back Visa account, including a dispute regarding the 
amount of awards earned or deposited, you must notify us in writing at APG 
Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001, within sixty (60) days 
of the date of the first Cash Back Visa account statement to which your award 
dispute relates. If you do not properly notify us in this time frame, we will have 
no obligation to you to adjust any error.
24b. Cash Back Restrictions or Forfeiture:  You may not earn Cash Back 
awards during any statement period in which the following occur:
� Your account is in default as outlined under your credit card agreement 
with us. 
� You or any Authorized User engage in any fraudulent activity on this 
account.
� You engage in any illegal activity through the use of your account or engage 
in activity that is deemed to be abusive or gaming conduct, as determined 
by us in our sole discretion.
� You or we close your account for any reason; all earned but not paid Cash 
Back awards will be forfeited.
We may, at our sole discretion, cancel, modify, restrict or terminate the Cash 
Back card awards program or any aspects of the Cash Back card at any time 
without prior notice. All interpretations of these Cash Back Visa rules shall be at 
our sole discretion. These official rules and important terms do not apply to any 
other Visa product offered by APGFCU.
The program information is subject to change.
25. How We May Contact You: You expressly agree in order for APGFCU to 
provide information about your account and obtain any payment for amounts 
you may owe APGFCU, we or our authorized parties may contact you and send 
text messages to you.  We may use pre-recorded/artificial voice messages 
or an automated dialing device to contact you at any telephone number 
associated with your APGFCU account, including mobile numbers, as permitted 
by applicable law. You also expressly agree that we may email you at any email 
address you have provided us.
26. Governing Law:  This agreement is governed by the Annotated Code 
of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of 
Maryland, Commercial Law Article, Title 12, Subtitle 9 and applicable federal 
law or regulation.
Page 3 of 4 Your Billing Rights: Keep this Document for Future Use  This notice tells 
you about your rights and our responsibilities under the Fair Credit Billing Act.
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:
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001
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.
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. 
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:
�  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.)
�  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.
�  You must not yet have fully paid for the purchase.If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001
While we investigate, the same rules apply to the disputed amount as discussed 
above. After we finish 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. 
In case of errors or questions about your electronic funds transfer (Federal 
Electronic Funds Transfer Act) call us at 410-272-4000 or toll-free at 800-
225- 2555. TTY: 800-811-4888. Or write us at APG Federal Credit Union, P.O. 
Box 1176, Aberdeen, Maryland 21001-6176, as soon as you can, if you think 
your statement or receipt is wrong or if you need more information about a 
transfer listed on the statement or receipt. We must hear from you no later 
than 60 days after we sent the FIRST statement on which the problem or error 
appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and  explain as 
clearly as you can why you believe it is an error or  why you need more 
information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question 
in writing within ten (10) business days. We will determine whether an error 
occurred within ten (10) business days (20 business days if the transfer involved 
a new account) after we hear from you and will correct any error promptly. 
If we need more time, however, we may take up to 45 days (90 days if the 
transfer involved a new account, or a foreign initiated transfer) to investigate 
your complaint or question. If we decide to do this, we will credit your account 
within 5 business days (20 days if the transfer involved a new account) for the 
amount you think is in error, so that you will have the use of the money during 
the time it takes us to complete our investigation. If we ask you to put your 
complaint or question in writing and we do not receive it within 10 business 
days, we may not credit your account. An account is considered a new account 
for 30 days after the first deposit is made, if you are a new member.
We will tell you the results within three business days after completing our 
investigation. If we decide that there was no error, we will send you a written 
explanation. You may ask for copies of the documents that we used in our 
investigation.
Automatic Payment Transfers
If you have authorized us to pay your credit card bill automatically from your 
Share or Checking account, you can stop the payment on any amount you 
think is wrong. To stop the payment your letter must reach us three business 
days before the automatic payment is scheduled to occur.
VD-CBV-DIS-070121
Page 4 of 4Federally insured by NCUA Security Interest Disclosure
I/we acknowledge and pledge, as a condition of my/our use of the APGFCU credit card, that I/we 
have voluntarily granted APGFCU a security interest in all my/our individual and joint shares, share 
draft and share certificates now or in the future held at AGPFCU. If my/our credit card loan becomes 
delinquent, this security interest may be used without further notice to pay all or any part of such 
delinquency.  This security interest does not apply to shares in an IRA, Keogh, or similar tax deferred 
account. 
 
In addition, I/we acknowledge that the Federal Credit Union Act (12 U.S.C. 1757 (11)) secures all 
amounts owed APGFCU for use of this credit card by me/us or any authorized user and may be 
applied upon default against any of my/ours shares, share draft or share certificate account balances 
without further notice to pay all or any part of such delinquency. This security interest does not apply 
to shares in an IRA, Keogh or similar tax deferred account.
Page 1 of 1VD-CBV-DIS-070121 Page 1 of 1 VD-CBV-DIS-070121How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).� See your 
account agreement for more details.
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 account 
agreement.
Variable Rate Information:  Variable APRs are based on the 3.25%  Prime Rate as of  07/01/2021.  Your APR may vary. Rates 
are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published 
in the Wall Street Journal  on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an 
evaluation of each member's credit history and product type.
Balance transfers  will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. 
If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call  
1-800-225-2555. Please continue to make regular payments to your other account(s) until you know the balance has been paid.
This disclosure was printed and is accurate as of 07/01/2021 and is subject to change after that date. To find out what may have 
changed, or if you have any questions regarding this disclosure, call toll free 1-800-225-2555 or 1-800-811-4888 TTY.Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases
Cash Back VisaYour APR is based on your creditworthiness and credit card type at the time you opened 
your account and will vary with the market based on the Prime Rate.
11.24% � 17.49%
Annual Percentage Rate (APR) for Balance 
Transfers0% introductory APR for 18 months from the date of account opening for balance transfers 
submitted within the first 90 calendar days from account opening. Balance transfer approval 
conditions apply.
After that, and for balance transfers completed after the first 90 calendar days, your APR 
will be 11.24% to 17.49%  based on your creditworthiness and credit card type at the 
time you opened your account. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash 
Advances and Convenience Checks11.24% � 17.49%
Your APR will be based on your creditworthiness and credit card type at the time you open 
your account. This APR will vary with the market based on Prime Rate.
Penalty APR and When It Applies 18.00%
This APR may apply to your account if you:
� Are over 60 days past due; or
� Make a payment that is returned and causes your account to be over 60 days past due.
How long will the Penalty APR apply?  If your APRs are increased for either of these 
reasons, the Penalty APR may apply indefinitely.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you interest on purchases if you pay the entire balance by the due date each month. We 
will begin charging interest on balance transfers, cash advances and overdraft advances,  
if enrolled, on the transaction date.
For Credit Card Tips from the Consumer 
Financial Protection BureauTo 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
Annual Fee None
Transaction Fees
� Cash Advance
� Foreign Transaction
� Balance Transfer�  $2
�  up to 1%  of transaction amount in U.S. dollars
�   3% of the amount of each balance transfer transaction will be assessed to your  
  account upon posting for all balance transfer requests submitted within the first 90  
  calendar days of account opening at the 0% introductory APR.
�   There is no balance transfer fee for all balance transfer requests submitted and  
  posted to your account after 90 calendar days of account opening, and you will be  
  charged your standard variable rate APR.
Penalty Fees 
� Late Payment
� Returned Payment�  $25
�  $20
  Page 1 of 1VD-CBV-DIS-070121Terms and Conditions of Balance Transfer Offer for  
New APGFCU Visa� Accounts
� 0% introductory APR for 18 months from the 
date of account opening for balance transfers 
submitted within the first 90 calendar days from 
account opening for Cash Back, Platinum Preferred, 
Platinum Preferred Rewards and Platinum Preferred 
Student/Starter Visa cards.
� After 18 months, your introductory rate will end 
and your standard cash advance rate will apply.
� 3% of the amount of each balance transfer 
transaction will be assessed to your account upon 
posting for all balance transfer requests submitted 
within the first 90 calendar days of account 
opening at the 0% introductory APR.
� There is no balance transfer fee for all balance 
transfer requests submitted and posted to your 
account after 90 calendar days of account opening, 
and you will be charged your standard variable rate 
APR.
� You authorize APGFCU to pay off the balances or 
portions of the balances due on the credit cards/ 
charges/loans listed within this online form or 
verbally by means of a Balance Transfer charged to 
your APGFCU Visa account. There is no limit to the 
number of transfers permitted up to your approved 
credit limit. 
� You understand the balance transfer request we 
approve for you may not ultimately pay your total 
balance due with the other creditor, which may 
result in outstanding charges imposed by the 
other creditor. It is your responsibility to make 
timely payments to your other creditor. You should 
continue to make payments to these other credit 
card or loan issuers until the balance transfer is 
reflected on your account with us as a payment 
made by us to your creditor. All balance transfers 
are paid by us directly to the other creditor.  � APGFCU is not responsible for any payments 
being late, lost in the mail or for any finance or 
other charges that may occur due to a delay in 
processing a balance transfer request.  
� Balances transferred will not receive a balance 
transfer cash rebate or reward points. 
� Balance transfers are always subject to Finance 
Charges from the date they are posted to your 
account to the date on which they are paid in full.  
� You must pay in full the entire balance (including 
balance transfers and new purchases) by the end 
of each payment cycle to avoid accruing interest on 
purchases. 
� Each balance transfer will reduce your available 
credit. We will process the requested balance 
transfers in the order you submit them to us. 
Should there be an insufficient credit limit on your 
account with us, you understand we will pay off 
the balances of other creditors only up to the 
amount of the available credit limit you have with 
us, which could result in only a partial payment 
of the remaining account balances with the other 
creditor.
� The total amount(s) of your request cannot exceed 
your available credit with us. Should the request 
exceed the available credit, we will decline the 
request and you will have the option to apply for 
a credit limit increase. APGFCU reserves the right 
to refuse to honor any request for a credit limit 
increase. You should not transfer from another 
creditor the amount of any disputed purchases or 
other charges. If you do, you may lose your right 
to dispute the charges with that other creditor. 
� This offer cannot be combined with any other 
balance transfer offers. We will not process any 
balance transfer requests that are from any other 
account or loan issued by APGFCU.