TYNDALL FEDERAL CREDIT UNION
VISA®  GOLD APPLICATION DISCLOSURE

Interest Rates and Interest Charges
Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
Visa® Gold Basic

Visa® Gold Premium
APR for Balance Transfers
Visa® Gold Basic

Visa® Gold Premium
APR for Cash Advances
Visa® Gold Basic

Visa® Gold Premium

7.95% to 10.75%, based on your credit worthiness

11.90% to 12.90%, based on your credit worthiness

7.95% to 10.75%

11.90% to 12.90%

7.95% to 10.75%

11.90% to 12.90%

Penalty APR and When it Applies 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 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.

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.

FeesFees

Annual Fee

Transaction Fees
Balance Transfer

Cash Advance

Foreign Transaction

Penalty Fees

Late Payment

None

None

None

- International transactions that involve currency
  conversions - 1%
- International transactions that do not involve currency
  conversions - 0.8%

10% of payment due with a minimum of $2.00 (maximum $25)

Over-the-Credit Limit

Returned Payment

None

Up to $25

Other Fees
Required

Fee for ATM cash advances - None if performed at a Tyndall 
Federal Credit Union Branch or a Tyndall Federal Credit 
Union Automated Teller Machine (ATM).  

REV. 01/2012 TFCU 6146

Cont'd on Back

I001264

How We Will Calculate Your Balance - Average Daily Balance

Billing Rights - Information on your rights to dispute transactions and how to exercise those 
rights is provided in your Credit Card Agreement.

Wisconsin Fees Only:  Wisconsin law provides that no agreement, court order or individual statement 
applying to marital property will affect a creditor's interest unless prior to the time credit is granted, the 
creditor is provided with a copy of the agreement, court order or statement, or has actual knowledge of 
any adverse provision.

New York residents  may contact the New York State Banking Department at 1-800-518-8866 to obtain a 
New York residents  may contact the New York State Banking Department at 1-800-518-8866 to obtain a 
comparative listing of credit card rates, fees, and grace periods.
comparative listing of credit card rates, fees, and grace periods.

Ohio Residents:  The Ohio laws against discrimination require that all creditors make credit equally 
available to all credit worthy customers, and that credit reporting agencies maintain separate credit 
histories on each individual upon request.  The Ohio civil rights commission administers compliance 
with this law.

Washington State Residents:  Washington state law against discrimination prohibits discrimination in 
Washington State Residents:  Washington state law against discrimination prohibits discrimination in 
credit transactions because of race, creed, color, national origin, sex, or marital status.  The Washington 
credit transactions because of race, creed, color, national origin, sex, or marital status.  The Washington 
State Human Rights Commission administers compliance with this law.
State Human Rights Commission administers compliance with this law.