Premier Rewards
1.99% introductory APR for 6 months 
from date the account is opened. After that, 
the  rate on any remaining balance will 
return to the APR as disclosed at account 
opening  (9.90% - 17.90%) based 
upon your credit worthiness.Annual Percentage Rate (APR) for Purchases
9.90% - 17.90% 10.90% - 18.90% APR for Balance Transfers
9.90% - 17.90% 10.90% - 18.90% APR for Cash Advances
19.99%
This APR may be applied to your account if you:
 1) Make a late payment;
 2) Make a payment that is returned; or
 3) Do any of the above on another account that you have with us.
How Long Will the Penalty APR Apply?
If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six 
consecutive minimum payments when due .Penalty APR and When it Applies
If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge
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 .For Credit Card Tips from  the Consumer 
Financial Protection BureauInterest Rates and Interest Charges
Fees
None Annual Fee
None
None
1% of each transaction in U.S. dollars.Transaction Fees
 � Balance Transfer
 � Cash Advance
 � Foreign Transaction
$20.00
None
$20.00Penalty Fees
 � Late Payment
 � Over-the-Credit Limit
 � Returned PaymentYour due date is at least 27 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.How to Avoid Paying Interest on Purchases
How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).�
The above information is accurate as of June 1, 2014.VISA Platinum Credit Card Disclosure
Earn points for travel and merchandise 
with each purchase.
www.foxcu.org1.99% introductory APR for 6 months 
from date the account is opened. After that, 
the  rate on any remaining balance will 
return to the APR as disclosed at account 
opening  (10.90% - 18.90%) based 
upon your credit worthiness.