ADDENDUM TO CLASSIC VISA® CREDIT CARD 
AGREEMENT& FEDERAL TRUTH-IN-LENDING 
DISCLOSURE STATEMENT
Retain for your records

Interest Rates & 
Interest Charges      

Classic

Annual Percentage Rate 
(APR) for Purchases

APR for Cash Advances 

APR for Balance Transfers  

Penalty APR and When it 
Applies

Paying Interest 

0.00% introductory APR for six months.
After that, my APR will be  12.99%.
0.00% introductory APR for six months.
After that, my APR will be  12.99%.
0.00% introductory APR for six months.
After that, my APR will be  12.99%.

17.90% 

This APR may be applied to my account if I:

1) Make a late payment; or
2) Make a payment that is returned.

How Long Will the Penalty APR Apply?  If my APR 
is increased for any of these reasons, the Penalty APR 
will apply until I make six consecutive minimum 
payments when due.

My due date is at least 25 days after the close of each 
billing cycle.  You will not charge me interest on 
purchases or balance transfers if I pay my entire 
balance by the due date each month.  You will begin 
charging interest on cash advances on the transaction 
date.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors 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

•  Balance Transfers
• Cash Advance

None
Either $2.00 or 2% of the amount of cash advance, whichever is 
greater (maximum fee: $25.00). 

• Foreign Transactions

1.0% of each foreign transaction in non-U.S. currency 
0.8% of each foreign transaction in U.S. dollars

Penalty Fees

• Late Payment
• Returned Payment

$15.00  
$25.00

How You Will Calculate My Balance:  You use a method called “average daily balance (including new 
purchases).”  I must see my account agreement for more details.
Loss  of  Introductory APR:   You  may  end  my  introductory APR  and  apply  the  Penalty APR  if  I  make  a 
late payment.
Billing Rights:  Information on my rights to dispute transactions and how to exercise those rights is 
provided in my account agreement.  

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ADDENDUM TO CLASSIC VISA® CREDIT CARD 
AGREEMENT & FEDERAL TRUTH-IN-LENDING 
DISCLOSURE STATEMENT
Retain for your records

As of June 1, 2014, the non-variable Monthly Periodic Rate for purchases, balance transfers, and 

cash advances in effect for your Classic VISA® Credit Card is 1.0825% with a corresponding
ANNUAL PERCENTAGE RATE of 12.99%.

NOTE: Recently opened Classic VISA® Credit Card Accounts continue to be subject to the introductory Monthly

Periodic Rate of  0.00% with a corresponding ANNUAL PERCENTAGE RATE of  0.00%

as disclosed in the Classic VISA® Credit Card Account Agreement and Federal Disclosure Statement during 

the first six (6) monthly billing cycles after the account is established. Thereafter, the ANNUAL PERCENTAGE 

RATE will convert to the non-variable rate disclosed above.

LOS ANGELES POLICE FEDERAL CREDIT UNION
SCHEDULE OF FEES 
EFFECTIVE JUNE 1, 2014
CLASSIC VISA® CREDIT CARD ACCOUNTS

Annual Fee ................................................................................................................................ None
Late Payment Fee .................................................................................................................... $15.00
CLASSIC VISA® Credit Card Loan Check stop payment (per item) ......................................... $20.00
CLASSIC VISA® Credit Card Returned Payment Fee (per item) ............................................... $25.00
CLASSIC VISA® Credit Card Statement copy (per copy) .......................................................... $5.00
Thank you for being partners in a proud traditionsm.

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