Important DIsclosure InformatIon regarDIng VIsa creDIt carDs
Interest Rates and Interest Charges 

Annual Percentage Rate
(APR) for Purchases, 
Balance Transfers and Cash 
Advances 

VISA Classic1:                            %    to
APR will vary with the market based on the Prime Rate
VISA Secured 2:                 %. This APR will vary with the market based on the Prime Rate

%     based on your creditworthiness. This

Penalty APR and When it 
Applies

VISA Classic 3:             % to            % based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate
VISA Secured 4:             %. This APR will vary with the market based on the Prime Rate  

The Penalty APR may be applied to your account if you:
1) Make a late payment that is sixty (60) days past due; or
2) Make a payment that is returned causing your account to be sixty (60) days past due.
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, 
the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest

Your due date is at least 21 days after the close of each billing cycle. We will not charge 
you any interest on purchases, balance transfers and cash advances if you pay your entire 
balance by the due date each month.

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

Transaction Fees

 Balance Transfer
 Cash Advance
 Foreign Transaction

None

None
None
1% of each transaction in U.S. dollars (transactions made in foreign currency) 
0.8% of each transaction in U.S. dollars (transactions made in foreign currency, billed 
in U.S. dollars) 

Penalty Fees

 Late Payment5
 Over-the-Credit Limit
 Returned Payment

$15.00 
None
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.
The information about the costs of the card described in this application is accurate as of                                                 This 
information may have changed after that date. To find out what may have changed, call us at 800.743.7228 or write to us at 
P.O. Box 735, San Bernardino, CA 92402-0735, or email us at info@arrowheadcu.org.
1. The Prime Index used to determine the APR is the rate published in The Wall Street Journal on
which was             %.  We will add a Margin based on your credit score to determine your APR and corresponding Monthly 
Periodic Rate.
2. The Prime Index used to determine the APR is the rate published in The Wall Street Journal on
which was          %.  We will add a Margin of             % to determine your APR (Monthly Periodic Rate currently   
3. The Prime Index used to determine the Penalty APR is the rate published in The Wall Street Journal on
which was           %.  We will add a Margin based on your credit score to determine your Penalty APR and corresponding 
Monthly Periodic Rate.
4. The Prime Index used to determine the Penalty APR is the rate published in The Wall Street Journal on
which was            %.  We will add a Margin of              % to determine your Penalty APR (Monthly Periodic Rate currently    

             %).

%).

5. Late Payment Fee:  A late payment fee of $15.00 will be charged to your account each billing period that the minimum
monthly payment is not paid within fifteen (15) days after the date the payment is due.   

© 2014 Simply Legal - All Rights Reserved  Your CU Store Custom #7016E 

Rev.  11/01/2016  PTD  10/14