1700 Oak Forest Drive • Onalaska, WI 54650
800-755-0055 • 608-787-4500
www.altra.org

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

TRADITIONAL REWARDS / STUDENT  
REWARDS / SIGNATURE/ NON-REWARDS

APPLICATION AND SOLICITATION DISCLOSURE

Traditional Rewards
11.90%, 13.90%, or 15.90% when you open
your account, based on your creditworthiness. This APR will vary  
with the market based on the Prime Rate.

Student Rewards
13.90%
This APR will vary with the market based on the Prime Rate.

Signature
12.90%
This APR will vary with the market based on the Prime Rate.

Non-Rewards
8.90%, 10.90%, or 12.90% when you open
your account, based on your creditworthiness. This APR will vary  
with the market based on the Prime Rate.

APR for Balance Transfers

Traditional Rewards 

11.90%, 13.90%, or 15.90% when you open your account,  
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.

Student Rewards

13.90%
This APR will vary with the market based on the Prime Rate.

Signature

12.90%
This APR will vary with the market based on the Prime Rate.

Non-Rewards

8.90%, 10.90%, or 12.90% when you open your account,  
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.
Traditional Rewards

11.90%, 13.90%, or 15.90% when you open your account,  
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.

Student Rewards

13.90%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

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SEE BACK OF PAGE for more important information about your account.

Signature

12.90%
This APR will vary with the market based on the Prime Rate.

Non-Rewards
8.90%, 10.90%, or 12.90% when you open your account,  
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your  
entire balance by the due date each month.

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.

$15.00 or 5.00% of the amount of each cash advance, 
whichever is greater

How to Avoid Paying Interest on Purchases

How to Avoid Paying Interest on Purchases

Fees

Transaction Fees

- Cash Advance Fee

- Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees

- Late Payment Fee

- Returned Payment Fee

Up to $25.00

Up to $25.00

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”

Effective Date.
The information about the costs of the card described in this application is accurate as of October 1, 2013. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever 
is less, if you are one (1) or more days late in making a payment.

$25.00 of the amount of the requred minimum payment, whichever
is less.

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