Credit Card Rates, Fees and Cost Information - New Start Visa
The following disclosure represents important details concerning your credit card. We reserve the right to periodically review your credit standing and to increase any 
rate on your new balances, in accordance with applicable law. The information about costs of the card are accurate as of February 22, 2013. You can write us at One 
Nevada Credit Union, 2645 South Mojave Road, Las Vegas, NV 89121 or call (800) 388-3000 to inquire if any changes occurred since the effective date.

  INTEREST RATES and  INTEREST CHARGES

Annual Percentage Rate (APR)
for Purchases, Cash Advances & 
Balance Transfers

29.99%

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on purchases if you pay your entire new purchase balance by the due date each month. For Cash 
Advances and Balance Transfers, we will begin charging interest on the transaction date.

Minimum Finance Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the
Consumer Financial Protection 
Bureau

  FEES

Set-up and Maintenance Fees

• Annual Fee:

Transaction Fees

• Balance Transfer: 
• Cash Advance:
• ATM Withdrawal:
• 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 http://www.consumerfinance.gov/learnmore

NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your 
card and will reduce the amount of credit you initially have available. For example, if you are  
assigned the minimum credit limit of $250.00, and if your setup & maintenance fees are $60.00, your 
initial available credit will be only $190.00.
$60.00

2% of each transaction, minimum $5.00
2% of each transaction, minimum $5.00
2% of each transaction, minimum $5.00 (does not include non-ONCU ATM fees)
2% of each transaction in U.S. dollars if the transaction does or does not involves a currency 
conversion

• Late Payment
• Over-the-Credit Limit
• Returned Payment

$25 or your minimum payment required, whichever is less, if your payment is late 15 days or more.
None 
$25 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “average daily balance including new purchases.” See your account agreement 
for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

OTHER IMPORTANT DISCLOSURES:

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS 
YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU 
ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS 
SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE 
CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account 
that would lose special tax treatment under state or federal law if given are not subject to this security interest. If you have other loans with us, 
collateral securing such loans may also secure your obligations under this Agreement, unless that other collateral is your principal residence or 
non-purchase money household goods.

Daily Periodic Rates: Purchases, Cash Advances, and Balance Transfers: Based on Your Approved Rate

Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 

Statement Copy Fee: $5.00

Federally insured by NCUA. Equal Housing Lender.