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.  
In addition to the fees above , we may also charge the following fees:  
Card Replacement  Fee: $10.00 per card  
Statement Copy  Fee: $2.50 per statement  
*The APR is based on the US Prime Rate of 3.25% as of December 1, 2011. We add a margin of between 4.0% and 7.0% 
to determine your A PR. 
 
The above rates and fees are effective as of January 16, 2012.  
  Matanuska Valley Federal 
Credit Union VISA Credit Card 
Application Disclosures  
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) for 
Purchases  7.25% to 10.25% , based on your creditworthiness when you open your 
account. This APR will vary with the market based on the U.S. Prime Rate.*  
APR for Cash Advances and Balance 
Transfers  7.25%  to 10.25% , based on your creditworthiness when you open your 
account. This APR will vary with the market based on the U.S. Prime Rate.  
Paying Interest  Your due date is approximately 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. We will begin charging interest on cash 
advances and balance tran sfers on the transaction date.  
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  
Annual Fee  None  
Transaction Fees � Cash Advance Fee 
� Foreign Transaction Fee  $5 per day 2%  of the US dollar amount of the foreign transaction.  
Penalty Fees � Late Payment Fee � 
Returned Item Charge  Up to $15 Up to $15  
OTHER CARD FEATURES  
Credit Companion  If you elect to obtain the optiona l loan protection coverage and pay the 
monthly protection fees, we will cancel your payment(s) or entire loan 
balance if you become disabled or in the event of death.  Hospitalization 
benefit is also available.