VISA® REWARDS AND VISA® SECURED REWARDS 
APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

9.99% to 17.99%  based on your creditworthiness.

VISA REWARDS

9.99% to 17.99% based on your creditworthiness.

VISA SECURED REWARDS

APR for Cash Advances 

9.99% to 17.99% based on your creditworthiness.

VISA REWARDS

9.99% to 17.99% based on your creditworthiness.

VISA SECURED REWARDS

APR for Balance 
Transfers 

9.99% to 17.99% based on your creditworthiness.

VISA REWARDS

9.99% to 17.99% based on your creditworthiness.

VISA SECURED REWARDS

Penalty APR and When 
It Applies

17.99% 

This APR may be applied to your account if you:
1. Make a late payment two times in a six-month period.

How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments by the due date as shown in your monthly statement.  

Minimum Interest Charge

None

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We do not charge you any interest on purchases if you pay 
your entire balance 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
Fees

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. 

Annual Fee

None

Transaction Fees

• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees

$2.00 or 2.00% of the amount of each balance transfer, whichever is greater

$2.00 or 2.00% of the amount of each cash advance, whichever is greater

1.00% of each transaction in U.S. dollars.

• Late Payment
• Returned Payment Fee

$25

$32

How We Will Calculate Your Balance. We use a method called “average daily balance.”

Loss of Introductory APR. We may end your Introductory APR if you make a late payment two times in a six-month period. With the loss of your introductory APR, your APR will 
be the Penalty APR of 17.99%, based on certain creditworthiness criteria. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you make a late payment two times in a six-month period.

Effective Date. The information about the costs of the card described in this disclosure are accurate as of January 1, 2018. This information may have changed after that 
date. To find out what may have changed, contact the Credit Union.