Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

Annual Percentage Rate
(APR) for Balance Transfers

Annual Percentage Rate
(APR) for Cash Advances

Penalty Pricing and 
When it Applies

Paying Interest

Visa  Blue  with  No  Rewards  Benefits:  10.75%  to  17.9%,  based  on  your  credit 
worthiness; the APR will vary with the market based on the Prime Rate.
Visa  Platinum  with  No  Rewards  Benefits: 8.75%  to  17.9%,  based  on  your  credit 
worthiness; the APR will vary with the market based on the Prime Rate.
Visa Rewards Benefits: 12.25% to 17.9%, based on your credit worthiness; the APR 
will vary with the market based on the Prime Rate.

Visa Blue with No Rewards Benefits: 10.75% to 17.9%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate.
Visa Platinum with No Rewards Benefits: 8.75% to 17.9%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate.
Visa Rewards Benefits: 12.25% to 17.9%, based on your credit worthiness; the APR will vary 
with the market based on the Prime Rate.

Visa Blue with No Rewards Benefits: 12.75% to 17.9%, based on your credit worthiness; the 
APR will vary with the market based on the Prime Rate.
Visa Platinum with No Rewards Benefits: 10.75% to 17.9%, based on your credit worthiness; 
the APR will vary with the market based on the Prime Rate.
Visa Rewards Benefits: 14.25% to 17.9%, based on your credit worthiness; the APR will vary 
with the market based on the Prime Rate.

None

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases and balance transfers if you pay your entire balance by the due date each 
month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.00

For Credit Card Tips from
the Consumer Financial 
Protection Bureau

Fees

Annual Fee

Transaction Fees

• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees

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 https://www.consumerfinance.gov/learnmore

None

None
$10.00 or 2.0% of the amount of each cash advance, whichever is greater.
1.0% of each foreign transaction in U.S. dollars.

• Over-the-Credit Limit
• Late Payment
• Returned Payment

None
up to $15.00
up to $30.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”

The information about the costs of the cards described above are current as of April 1, 2016. This information may have changed since that time. For the 
most current information, please visit www.ksfcu.org, call us at (661) 833-7900 / (800) 221-3311(outside of Bakersfield), stop by any of our convenient 
branch locations, or write to us at Kern Schools Federal Credit Union, Attn: Visa Department, P.O. Box 9506, Bakersfield, CA 93389-9506.