Visa Platinum Credit Card  
Account Disclosures 

2303 South Center Road 
Burton, MI  48519 
Ph 810-715-3542 • TF 800-882-6457 
Fx 810-600-2590 
www.elgacu.com 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases, Balance  
Transfers and Cash Advances 

15.90%  

Penalty APR and When  
It Applies 

Paying Interest  

17.90% 
This APR may be applied to your account if you make a late payment. 
How long with the Penalty APR apply?  If your APR is increased due to a 
late payment, the Penalty APR will apply until you make six consecutive 
minimum payments when they are due. 

Your due date is at least 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you 
pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

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. 

Annual Fee 

None 

FEES 

Transaction Fees 
• Cash Advance Fee 
• Balance Transfer Fee 
• Foreign Transaction Fee 

Penalty Fees 
• Late Payment Fee 
• Over-the-Credit Limit Fee 
• Returned Payment Fee 

Other Fees 
• Application Fee 

None 
None 
Up to 1% of the US dollar amount of the foreign transaction 

Up to $20 
None 
$20 

None 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases).  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement. 

Additional Information  
The Monthly Periodic Rate for the Purchases, Balance Transfers, and Credit Advances APR shown above is: 15.90%. 
These Account Disclosures are part of and integrated with your VISA Credit Card Agreement with ELGA Credit Union. We 
reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effective 
as of July 28, 2014. 

© 2014 Farleigh Wada Witt. All rights reserved. 

Visa Platinum Credit Card Account Disclosures • July 2014