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Interest Rates and Interest Charges 
Annual Percentage Rate  
(APR) for Purchases 

13.15% when you open your account, based on your 
creditworthiness. 

APR for Balance Transfers and 
Convenience Checks 

APR for Cash Advances 

This APR will vary with the market based on the Prime Rate.* 
13.15 %.  

This APR will vary with the market based on the Prime Rate.* 
13.15%.  

Penalty APR  
and When It Applies 

How to Avoid Paying  
Interest on Purchases  

This APR will vary with the market based on the Prime Rate.*  
21.15%. This APR will be a fixed APR during the penalty period.  
The penalty APR will be applicable to your Account if you: 
Fail to make the Minimum payment by the date and time due on 
the account for 3 (three) consecutive months.  
Make a payment to us that is returned unpaid and you fail to 
make the two other consecutive Minimum payments on the 
account by the date and time due.   
How Long Will the Penalty APR Apply: If your APRs are 
increased for any of these reasons, the Penalty APR will apply 
until you make six consecutive minimum payments when due. 
Pay full amount of the New Balance of Purchases within 25 days 
of your statement closing date. 

Minimum Interest Charge 
For Credit Card tips from  
the Consumer Financial 
Protection Bureau 

If you are charged interest, the charge will be no less than $1.00 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Finance 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

SEE	  BACK	  OF	  PAGE	  for	  more	  important	  information	  about	  your	  account	  

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Fees 
Annual Fee  

None 

Transaction Fees: 

•  Cash Advance and 

Convenience Checks 

•  Balance Transfer 

•  Foreign Transaction 

Penalty Fees: 

•  Over the Limit 

3% of transaction amount or $5 minimum 

$0 

$0 

None 

•  Late Payment 

The lesser of minimum payment due or $25.  

• 

Insufficient Funds 

The lesser of minimum payment due or $25. (Check, MasterCard AutoPay 
or other electronic means) 

Other Fees: 

•  Document Copy 

$5 max/item 

•  Lost Card Reissue 

$10 

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new purchases).” 

* Variable Rate Information: Prime Rate: Variable APRs are based on the 3.25% Prime Rate as 
of  January  1,  2013.    The  ANNUAL  PERCENTAGE  RATE  may  increase  during  the  term  of  this 
agreement  if  the  rate  disclosed  as  the  U.S.  Highest  Prime  Rate  published  in  the  Wall  Street 
Journal  in  the  cycle  prior  to  the  billing  date.  The  ANNUAL  PERCENTAGE  RATE  will  be 
calculated by adding a margin to the index. . Margin is determined by your creditworthiness. The 
maximum ANNUAL PERCENTAGE RATE will not exceed 18%, or the rate permissible under the 
Federal Credit Union Act, whichever is less. Any increase in the ANNUAL PERCENTAGE RATE 
will result in a higher monthly payment; a decrease will result in a lower monthly payment. 

Defined  Terms:    Capitalized  terms  used  in  this  Disclosure  but  not  defined  herein  have  the 
meanings given to such terms in your Cardholder Agreement. 

Effective Date:  This Disclosure is effective as of January 1, 2013. 

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