Bellco Credit Union  
Account Disclosure  
Visa� Signature Cash Back  Credit Card  
Interest Rates and Interest Charges  
Annual Percentage Rate  
(APR) for Purchases  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.  
APR for Balance  Transfers   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% . 
APR for Cash Advances  21% 
Penalty APR  None  
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 purchase s 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 dat e. 
Minimum Interest Charge  None  
For Credit Card Tips from the 
Consumer Financial Protection 
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  
Annual Fee  $0 For The First Year , Then $25 Thereafter.  
Transaction Fees  
� Balance Transfer  
 
� Cash Advance  
 
� Foreign Transaction   
� $0 fee on transfers made within 90 days of account opening, After that, e ither $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 $7 5) 
� 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 t he 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.  �Purcha ses� 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 a ccess 
your account; overdraft advances; earned i nterest; 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 b e 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, t he 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 h ave 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 ch ange after date listed.  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.