IMPORTANT VISA® CREDIT CARD DISCLOSURES

The information appearing on this Disclosure is accurate as of June 1, 2016. This information may have changed after that
date.  To find  out  what  may  have  changed,  call  us  at  651.291.1515  or  800.899.5626  or  write  us  at  Hiway  Federal  Credit
Union, 111 Empire Drive, St. Paul, MN 55103.

Hiway Visa® Platinum

Hiway Visa® Rewards

Hiway Visa Signature®
Cash Rewards

Interest Rates and
Interest Charges
Annual Percentage Rate (APR)
for Purchases

APR for Cash Advances

APR for Balance Transfers

Paying Interest

14.99

1.99%
Introductory APR for 12 months.
After that, your Standard APR
will be
8.40
_____ %,
10.40
_____%, _____%,
17.40
or _____%
depending on your credit
history. This APR will vary with
the market based on the
Prime Rate.
8.40
_____ %, _____%, _____%,
or _____% depending on your
credit history. This APR will
vary with the market based on
the Prime Rate.

14.99

10.40

17.40

14.40

1.99%
Introductory APR for 12
months. After that, your
Standard APR will be
9.90
_____ %,
11.99
_____%, _____%,
17.40
or _____%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.
14.40
11.99
9.90
_____ %, _____%, _____%,
or _____% depending on
your credit history. This APR
will vary with the market
based on the Prime Rate.
14.40
11.99
9.90
_____ %, _____%, _____%,
or _____% depending on
your credit history. This APR
will vary with the market
based on the Prime Rate.

17.40

1.99%
Introductory APR for 12
months. After that, your
Standard APR will be
10.96
_____%,
12.99
_____%, or
15.40
_____%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.
12.99
10.96
_____%, _____%, or
_____% depending on your
15.40
credit history. This APR will
vary with the market based
on the Prime Rate.
10.96
_____%, _____%, or
15.40
_____% depending on
your credit history. This
APR will vary with the
market based on the
Prime Rate.

12.99

17.40

10.40

1.99% Introductory APR for 12
months. After that, your Standard
8.40
APR will be _____%, _____%,
17.40
14.99
_____%, or _____% depending
on your credit history. This APR
will vary with the market based
on the Prime Rate.
Pay full amount of the New Balance of Purchases within 25 days of your statement closing
date. We will not charge you interest on purchases if you pay your entire new purchase
balance by the due date each month. We will begin charging interest on cash advances and
balance transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial
Protection Bureau

None
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

Fees

Fees to Open or Maintain your
Account

None

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

2% of the amount of each transfer or $2.00, whichever is greater
2% of the amount of each cash advance or $2.00, whichever is greater
Hiway Visa® Platinum & Hiway Visa® Rewards: 1% of U.S. dollar transaction amount
Hiway Visa Signature® Cash Rewards: None

Up to $25.00 assessed on the 15th day after the stated due date.
None
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).
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:

Lost Card Reissue:
Document Copy:

$10.00
$5.00 max/item

9009 LASER FPDF FI19163 8-2016

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.