1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829
Federal Credit Union
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 09/15/2017. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHA	RGES:			
	VISA TRADITIONAL SECURED	VISA TRADITIONAL	VISA REWARDS	VISA SIGNATURE
Annual Percentage Rate (APR) for Purchases	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 9.25% This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 6.25%-15.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	9.25% This APR will vary with the market based on the Prime Rate.	6.25%-15.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	9.25% This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 6.25%-15.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for six months as of account opening. After that, your Standard APR will be 7.25%-17.25% 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's web site at http://www.consumerfinance.gov/learnmore.			
FEES:	
Fees to Open or Maintain your Account -Annual Fee: -Application Fee:	None None
Transaction Fees -	Balance Transfer: -	Cash Advance: -	Foreign Transaction:	None 2% of the amount of each cash advance or $10.00, whichever is greater 1% for any transaction outside the U.S. or U.S. territories
Penalty Fees -	Late Payment: -	Over-the-Credit Limit: -	Returned Payment:	Up to $25.00 if your payment is late 1 day or more None Up to $20.00 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)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you are 60 days late.
9013 LASER FPDF FI14832 Rev 6-2017
page 1 of 3
COPYRIGHT 2005 Securian Financial Group. Inc. All rights reserved.
1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829
Federal Credit Union
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 09/15/2017. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:				
	VISA TRADITIONAL SECURED	VISA TRADITIONAL	VISA REWARDS	VISA SIGNATURE
Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers	9.25% This APR will vary with the market based on the Prime Rate.	6.25%-15.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	7.25%-17.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	7.25%-17.25% 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's web site at http://www.consumerfinance.gov/learnmore.			
FEES:	
Fees to Open or Maintain your Account -Annual Fee: -Application Fee:	None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction:	None 2% of the amount of each cash advance or $10.00, whichever is greater 1% for any transaction outside the U.S. or U.S. territories
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment:	Up to $25.00 if your payment is late 1 day or more None Up to $20.00 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)."
9013 LASER FPDF FI19792 8-2017
page 1 of 3
COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved