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 Georgia United Credit Union  
PO Box 100070  
Duluth, GA 30096 -9370  
888.493.4328  
www. gucu .org  
CREDIT CARD DISCLOSURE  
 
INTEREST RATES and INTEREST CHARGES:  
 VISA CASH BACK SIGNATURE  
Annual Percentage Rate (APR) for 
Purchases  1.99%  Introductory APR for 12 billing cycles . After that, your Standard  APR will be  
12.24% to 22.99% based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  
APR for Balance Transfers*  1.99%  Introductory APR for 12 billing cycles if the balance tr ansfer is made within 90 days of account 
opening. After that, your Standard  APR will be 12.24 % to 22.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  14.24% to 24.99% based on your credi tworthiness. This APR will vary with the market based on the 
Prime Rate.  
Paying Interest  Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on purchases if you pay your entire new purchase balance by th e 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  None  
For Credit Card Tips from the 
Consumer Financial Protec tion Bureau  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:  
- Annual F ee: 
- Application Fee:   
 
None  
None  
Transaction Fees  
- Balance Transfer:  
- Cash Advance:  
- Foreign Transaction:   
None  
2% of each transaction that is greater than $2.00  
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States.  
Penalty Fees  
- Late Payment:  
- Over -the-Credit Limit:  
- Returned Payment:   
Up to $25.00 if your payment is late 10 days or more  
None  
Up to $25.00 if your payment is returned for any reason  
How We Will Calculate Your  Balance:  We use a method ca lled " average daily bala nce (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.  
*Introductory Rate is available only for  balance transfers made within 90 days of account opening. Introductory Rate does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans.  
Other Fees: In addition to the fees disclosed above, the following fees may be  imposed:  
Card Replacement Fee:   $10.00  
Skip -A-Pay Fee:     $25.00  
Expedited Card Fee:    $50.00