Fibre Federal Credit Union
Visa Credit Card
Pricing Information Addendum

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate  
(APR) for Purchases

Visa Platinum: 1.90% introductory APR for six months.* 
After that, your APR will be 8.90%. 
Visa Classic: 10.50%

APR for Balance Transfers

Visa Platinum: 1.90% introductory APR for six months.* 
After that, your APR will be 8.90%. 
Visa Classic: 10.50%

APR for Cash Advances

Visa Platinum & Classic: 10.50%

How to Avoid Paying  
Interest on Purchases

Your due date is an average of 30 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.

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 
Foreign Transaction Fee

None 
Up to 1% of the US dollar amount of the foreign transaction.

Penalty Fees
Late Payment Fee 
Returned Check Fee

Up to $20 
$10

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.

*Introductory balance transfer rate applies only to balance transfers from another financial institution.

These Account Disclosures for the Visa Credit Card are part of and integrated with your Visa Credit 
Card Agreement with Fibre Federal 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 Sept. 1, 2012.

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