Platinum 
Visa Credit Card

Cash Rewards 
Visa Credit Card

Signature Rewards 
Visa Credit Card

Riley Children's
Foundation 
Visa Credit Card

Secured Visa Card

0% Intro APR1 for 6
Months† on
purchases and
balance transfers.

0% Intro APR1 for 6
Months† on
purchases and
balance transfers.

0% Intro APR1 for 6
Months† on
purchases and
balance transfers.

0% Intro APR1 for 6
Months† on
purchases and
balance transfers.

After the intro
period, a variable
APR of 9.74% for
purchases and
balance transfers. 

No Balance Transfer
Fee

No Late Payment
Fee

Read Disclosures 
Read Card
Agreement

After the intro
period, a variable
APR of 13.74% for
purchases and
balance transfers. 

No Balance Transfer
Fee 

Read Disclosures 
Read Card
Agreement

After the intro
period, a variable
APR of 11.74% for
purchases and
balance transfers. 

No Balance
Transfer Fee

No International
Transaction Fee 

Read Disclosures 
Read Card
Agreement

After the intro
period, a variable
APR of 9.74% for
purchases and
balance transfers. 

1% Balance
Transfer Fee 

Read Disclosures 
Read Card
Agreement

Standard variable
APR1 of 13.74% for
purchases and
balance transfers. 

3% Balance
Transfer Fee 

Read Disclosures 
Read Card
Agreement 
Read Security Card
Amendment 

Important Credit Card Disclosures for Elements Financial Visa Cash Rewards,
Visa Platinum and Visa Signature Rewards credit cards

The following disclosure represents important details concerning your Elements Financial Visa Cash Rewards,
Visa Platinum or Visa Signature credit card. The information about costs of the card is accurate as of April 2,
2017. You can contact us toll free at (800) 621-2105 or Elements Financial Federal Credit Union, P.O. Box
7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES

Visa Cash Rewards

Visa Platinum

Visa Signature Rewards

 
 
 
 
 
 
 
 
 
Annual
Percentage Rate
(APR) for
Purchases and
Balance
Transfers

0% Introductory APR for
six months.

0% Introductory APR for
six months.

0% Introductory APR for
six months.

After that, your Standard
APR will be 13.74%.

After that, your Standard
APR will be 9.74%.

After that, your Standard
APR will be 11.74%.

This APR will vary with
the market based on the
Prime Rate.

This APR will vary with
the market based on the
Prime Rate.

This APR will vary with the
market based on the
Prime Rate.

APR for Cash
Advances

16.74% This APR will vary
with the market based on
the Prime Rate.

16.74% This APR will vary
with the market based on
the Prime Rate.

16.74% This APR will vary
with the market based on
the Prime Rate.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not
charge you any interest on purchases and balance transfers if you pay your entire
balance by the due date each month. We will begin charging interest on cash
advances on the date the cash advance is posted to your account.

Minimum
Interest Charge

None

For Credit Card
Tips from the
Consumer
Financial
Protection
Bureau

FEES

Fees to Open
or Maintain
Your
Account

To learn more about factors to consider when applying for or using a credit card,
visit the website for the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Visa Cash Rewards

Visa Platinum

Visa Signature Rewards

Annual Fee: None
Application Fee: None

 
 
Balance Transfer: None

Balance Transfer: None

Balance Transfer: None

Cash Advance: Up to 3%
for each Cash Advance or a
minimum of $5.00

Cash Advance: Up to 3%
for each Cash Advance or a
minimum of $5.00

Cash Advance: Up to 3%
for each Cash Advance or a
minimum of $5.00

Transaction
Fees

Wire Transfer: Up to 3% for
each wire transfer or a
minimum of $5.00

Wire Transfer: Up to 3% for
each wire transfer or a
minimum of $5.00

Wire Transfer: Up to 3% for
each wire transfer or a
minimum of $5.00

International Transaction:
1.0% of each transaction in
U.S. dollars

International Transaction:
1.0% of each transaction in
U.S. dollars

Late Payment: Up to
$25.00 if your payment is
late

Penalty Fees

Over-the-Credit Limit: None

Returned Payment: Up to
$25.00 if your payment is
returned for any reason

Late Payment: None

Over-the-Credit Limit: None

Returned Payment: Up
to $25.00 if your payment
is returned for any reason

Late Payment: Up
to $25.00 if your payment
is late

Over-the-Credit Limit: None

Returned Payment: Up
to $25.00 if your payment
is returned for any reason

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new
purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above
if you make a late payment.

Important Credit Card Disclosures for Riley Children's Foundation Visa credit
card

The following disclosure represents important details concerning your Riley Children's Foundation Visa credit
card. The information about costs of the card is accurate as of April 2, 2017. You can contact us toll free at
(800) 621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to
inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES

Riley Children's Foundation Visa

 
 
Annual
Percentage Rate
(APR) for
Purchases and
Balance
Transfers

APR for Cash
Advances

Paying Interest

0% Introductory APR for six months.

After that, your Standard APR will be 9.74%.

This APR will vary with the market based on the Prime Rate.

9.74% 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 and balance transfers if you pay your entire
balance by the due date each month. We will begin charging interest on cash
advances on the date the cash advance is posted to your account.

Minimum
Interest Charge

None

To learn more about factors to consider when applying for or using a credit card,
visit the website for the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

For Credit Card
Tips from the
Consumer
Financial
Protection
Bureau

FEES:

Fees to Open on Maintain your Account:

Annual Fee: None
Application Fee: None

Transaction Fees

Balance Transfer: Up to 1% of each Balance Transfer or a minimum of $5.00
Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00
Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25.00 if your payment is late
Over-the-Credit Limit: None
Returned Payment: Up to $25.00 if your payment is returned for any reason

 
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new
purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above
if you make a late payment.

Important Credit Card Disclosures for Elements Financial Secured Visa credit
card

The following disclosure represents important details concerning your Elements Financial Secured Visa credit
card. The information about costs of the card is accurate as of April 2, 2017. You can contact us toll free at
(800) 621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to
inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES

Elements Secured Visa

Annual
Percentage Rate
(APR) for
Purchases and
Balance
Transfers

APR for Cash
Advances

Paying Interest

13.74% — This APR will vary with the market based on the Prime Rate.

16.74% 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 and balance transfers if you pay your entire
balance by the due date each month. We will begin charging interest on cash
advances on the date the cash advance is posted to your account..

Minimum
Interest Charge

None

To learn more about factors to consider when applying for or using a credit card,
visit the website for the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

For Credit Card
Tips from the
Consumer
Financial
Protection
Bureau

FEES:

 
 
Fees to Open on Maintain your Account:

Annual Fee: None
Application Fee: None

Transaction Fees

Balance Transfer: Up to 3% of each Balance Transfer or a minimum of $5.00
Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00
Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25.00 if your payment is late
Over-the-Credit Limit: None
Returned Payment: Up to $25.00 if your payment is returned for any reason

An Elements Financial Savings account is a requirement of the Secured Visa Card. At least 100% of the
approved credit line amount must remain on deposit in an Elements personal Savings Account (Secured Bank
Account). The deposit requirement ranges from a minimum of $500 to a maximum of $5,000, based upon
approved credit line amount. The Secured Visa Card is a non-rewards card. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new
purchases)."

†) Elements Financial Visa Credit Card introductory rate good for six months. 1) Annual Percentage Rate.
Subject to credit approval. Additional limitations, terms and conditions apply.

Credit Card Services: (800) 234-5354 (questions, issues, lost/stolen cards) 
Pure Perks: (855) 814-5597

To make payments to your Elements Financial credit card, send them payable to: 
Elements Financial Federal Credit Union 
PO Box 10324 
Des Moines, IA 50306-0324

Borrowing

Vehicle Loans

Auto Loans
Leisure Vehicle Loans
Motorcycle Loans
Members Auto Source
Preferred Auto Dealers
Enterprise Car Sales

Home Loans

Mortgages

 
Mortgage Refinances
Home Equity Loans
Home Equity Lines of Credit
Home Improvement Loan
Single-Close Construction Loan
Realtor Rebate

Student Loans
Adoption Loan
Personal Loans
Loan Services

Make a Loan Payment
Skip a Payment
Credit Counseling
Loan & Asset Protection
FICO Score Information

Checking

Basic Checking
High Interest Checking
Student Edge Account
Debit & ATM Cards
Overdraft Protection
Atira Reload Card
Gift Cards
Direct Deposit
EZShield Family Identity Restoration

Savings

Premium Money Market Account
Helium Savings
The Grow Account
Member & Special Savings
Certificates
Health Savings Accounts
IRAs
Elements, Just for Kids
Hideaway Savings
Special Accounts

Credit Cards

Chip Cards
Cash Rewards Visa
Platinum Visa
Signature Rewards Visa
Riley Children's Foundation
Secured Credit Card
Visa Merchant Offers
Travel Tips
Investing & Planning

Wealth Management
Legal Services
Insurance

Auto & Home Insurance
Life & Long-Term Care Insurance
Pet Insurance

Access Your Money

Online Banking

eBranch Internet Banking
Mobile Banking

Learning Library

Digital Payments

Apple Pay
Android Pay
Samsung Pay
Visa Checkout
PayPal

Remote Check Deposit
Shared Branches & ATMs
Bank Wires
Foreign Currency