Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND 
SOLICITATION 
DISCLOSURE  

CONNECT/VISA SIGNATURE CONNECT REWARDS 

CONNECT 
2.99% or 4.99% Introductory APR, for qualifying members, for a
period of twelve billing cycles, based on your creditworthiness. 

After that, or if you do not qualify for an Introductory APR, your APR will be 
8.25% to 17.95%, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate. 

VISA SIGNATURE CONNECT REWARDS 
0.00% Introductory APR, for qualifying members, for a period of six
billing cycles. 

This APR will vary with the market based on the Prime Rate. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
13.74% to 21.74%, based on your creditworthiness. This APR
will vary with the market based on the Prime Rate. 

CONNECT 
2.99% or 4.99% Introductory APR, for qualifying members, for a period of 
twelve billing cycles, based on your creditworthiness. 

After that, or if you do not qualify for an Introductory APR, your APR will be 
8.25%  to  17.95%,  based  on  your  creditworthiness.  This  APR  will  vary  with 
the market based on the Prime Rate. 

VISA SIGNATURE CONNECT REWARDS 
0.00% Introductory APR, for qualifying members, for a period of six billing 
cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
13.74% to 21.74%, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 
CONNECT 
8.25% to 17.95%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

VISA SIGNATURE CONNECT REWARDS 
0.00% Introductory APR, for qualifying members, for a period of six billing 
cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
18.74% to 26.74%, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-051721 (MXC102-E)

 
   
  
How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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.   

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 
- Annual Fee - CONNECT
- Annual Fee - VISA SIGNATURE
CONNECT REWARDS
 Transaction Fees 
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction Fee

$25.00, based on your creditworthiness 
None 

None 
$5.00 
1.00% of each transaction in U.S. dollars

Penalty Fees 
- Late Payment Fee

Up to $27.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR - CONNECT: The Introductory APR for purchases and balance transfers will 
apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing 
balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance 
transfers.  

Promotional  Period  for  Introductory  APR  -  VISA  SIGNATURE  CONNECT  REWARDS:  The  Introductory  APR  for 
purchases,  balance  transfers  and  cash  advances  will  apply  to  transactions  posted  to  your  account  during  the  first  six 
months following the opening of  your account. Any existing balances on Vantage West Credit Union  loan or credit card 
accounts are not eligible for the Introductory APR for balance transfers.  

Effective Date:  The information about the costs of the card described in this application is accurate as of:  June 01, 2021. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

Other Fees & Disclosures: 
Late Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days 
late in making a payment.  

Annual Fee - CONNECT: $25.00 based on your creditworthiness 

Pay-by-Phone Fee: $15.00.  

Rush Fee: $33.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-051721 (MXC102-E)