First Source Federal Credit Union 
4451 Commercial Drive 
New Hartford, NY 13413 
(315) 735-8571
(800) 735-8571

IMPORTANT CREDIT CARD DISCLOSURES 

The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate as of _______________ . You can contact us toll free at the number or address above to inquire if any changes 
occurred since the effective date. 

9/3/20

INTEREST RATES and INTEREST CHARGES: 

VISA PLATINUM 

VISA PLATINUM REWARDS PLUS 

Annual Percentage Rate (APR) for 
Purchases, Cash Advances, & 
Balance Transfers 

8.90%, 11.90%, 
13.90%, 15.90%, 
or 17.90% 
depending on your credit 
history. 

9.74

11.74

_____%, _____%, _____%, 
7.74 
_____%, or _____% 
17.74
14.74
depending on your credit history. This APR 
will vary with the market based on the Prime 
Rate.

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. We 
will not charge you interest on purchases if you pay your entire new 
purchase balance by the due date each month. We will begin charging 
interest on cash advances and balance transfers on the date the cash 
advance or balance transfer is posted to your account. 

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: 

Fees to Open or Maintain your 
Account: 
-
-

Annual Fee:
Application Fee:

Transaction Fees 

-
-
-

Balance Transfer:
Cash Advance:
Foreign Transaction:

None 
None 

None 
None 
1% of each transaction in U.S. dollars if the transaction involves a currency 
conversion 
1% of each transaction in U.S. dollars if the transaction does not involve a 
currency conversion 

Penalty Fees 

Late Payment:

-
- Over-the-Credit Limit:
Returned Payment:
-

Up to $25.00 if your payment is late. 
None 
Up to $15.00 if your payment is returned for any reason. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Minimum Monthly Payment: 2.5% of the outstanding balance, with a minimum of $15.00, whichever is greater. 

9009 LASER WORD FI14160 Rev 6-2018 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.