Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA GOLD/VISA CLASSIC
F1  
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
8.24%
F2
when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

to F3      

10.24%

Visa Gold 
9.24%
F4
to F5        when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

13.24%

to F7          when you open your account, based 

Visa Classic 
13.46% 20.46%
F6
on your creditworthiness.
Visa Platinum 
3.99%
F8          Introductory APR until balance subject to introductory APR is 
paid off. 

After that your APR will be F9          to F10       , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

10.24%

8.24%

Visa Gold 
4.99%
F11        Introductory APR until balance subject to introductory APR is 
paid off. 

After that your APR will be F12        to F13        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

13.24%

9.24%

Visa Classic 
7.99%
F14        Introductory APR until balance subject to introductory APR is 
paid off. 

13.46% 20.46%

After that your APR will be F15        to F16        , based on your 
creditworthiness. 
Visa Platinum 
8.24%
F17        to F18       when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

10.24%

Visa Gold 
9.24%
F19       to F20       when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

13.24%

Visa Classic 
13.46% 20.46%
F21        to F22        when you open your account, based on your 
creditworthiness.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

2017 Spring Balance Transfer

04501736-MXC40-C-2-020617 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

  
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.
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 
Transaction Fees 
- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

1.00%
F23    
0.80%
F24        of each single currency transaction in U.S. dollars

of each multiple currency transaction in U.S. dollars

$20.00
Up to F25   
$20.00
Up to F26   

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F27                       , until F28                        (cid:17) Any balances on existing University of Virginia 
Community Credit Union credit card and/or load accounts are not eligible for the introductory APR. 

March 1, 2017

May 31, 2017

Effective Date:  
The information about the costs of the card described in this application is accurate as of F29                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

March 1, 2017

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Statement Copy Fee
Document Copy Fee
Rush Fee

or the amount of the required minimum payment, whichever is 

$20.00
F30    
less, if you are ten or more days late in making a payment.
$20.00
F31        or the amount of the required minimum payment, whichever is 
less.
$3.50
F32    
$3.50
F33    
$20.00
F34    

2017 Spring Balance Transfer

04501736-MXC40-C-2-020617 (MXC403 CCM003)-e