Bellco Credit Union 
Account Disclosure 
Visa® Signature Cash Back Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers  

APR for Cash Advances 

Penalty APR 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 
Annual Fee 
Transaction Fees 

•  Balance Transfer 

Cash Advance 

• 

• 

0% Introductory APR for the first six months on purchases.  After that, the Standard APR 
will range from 11.50% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
3.99% Introductory APR for the first 12 months on any balance transfers that occur within 
the first 90 days of account opening.  After that, the Standard APR will be 21%. 
21% 

None 
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.  We 
will begin charging interest on cash advances and balance transfers on the transaction date. 
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. 

$0 For The First Year, Then $25 Thereafter.  

• 

• 

$0 fee on transfers made within 90 days of account opening, After that, either $10 or 
4% of the amount of each balance transfer, whichever is greater (maximum fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater 
(maximum fee $75) 

Foreign Transaction 

•  Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• 
Late Payment 
•  Returned Payment 
•  Over the Limit Fee 

The lesser of minimum payment due or $25. 
$10.  
None 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  See your account 
agreement for more details. 
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request. 
Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you 
make a late payment. 
Cash Back:  1.5% of Purchases will be paid back to the Member in the form of a (Statement Credit?).  Cash Back will be paid once 
monthly in increments of $25 as earned.  ”Purchases” do not include balance transfers; cash advances; quasi-cash transactions such 
as traveler’s checks, foreign currency, gift cards or money orders; returned merchandise; ATM transactions; any checks that access 
your account; overdraft advances; earned interest; unauthorized or fraudulent charges; betting that includes lottery tickets, casino 
gaming chips, off-track betting and wager; or fees of any kind, including an annual fee, if applicable. To be eligible for Cash Back, 
account must be open and must be in good standing at the time of fulfillment.   
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate for 
purchases will range from 0.0314% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 
11.50% to 21%.  The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%.  
Balance transfers will be considered purchases and will have the same periodic rate and corresponding annual percentage rate as 
purchases.  Balance transfers will be referred to as Cash Advances for purposes of this disclosure. 
Effective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.