CREDIT CARD 
IMPORTANT DISCLOSURES 

Interest Rates and Interest Charges 

Visa Rewards Plus 

Dinero Visa 

Savings Secured Visa 

0.00% for twelve billing cycles from the date of account opening. 

After that, your APR will be 
8.90% to 14.90% 
based on your creditworthiness. 

After that, your APR will be 
9.90% 

After that, your APR will be 
16.90% 

0.00% for first twelve months of each balance transfer.

After that, your APR will be 
8.90% to 14.90%, 
based on your creditworthiness. 

8.90% to 14.90%, 
based on your creditworthiness. 

After that, your APR will be 
9.90% 

After that, your APR will be 
16.90% 

9.90% 

16.90% 

Not Applicable 

Your due date is at least 25 days after the close of each billing cycle.We will not charge you 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

None 

None 
None 
None 

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR and 
When it Applies 

Paying Interest 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 
Annual Fee 
Transactions Fees 
•  Cash Advance 
•  Balance Transfer 
•  Foreign Transaction 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

Up to $25 
Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See the Card 
Agreement for more details. 

The information about the costs of the cards described in this form is accurate as of March 1, 2017. This information may have 
changed after that date.To find out what may have changed, write to us at Advancial Federal Credit Union, Lending Department,
1845 Woodall Rodgers Fwy., Ste. 1300, Dallas,TX 75201 or call us at 800.322.2709.

Form EE439.1