Bellco Credit Union   
Account Disclosure 
Visa® Signature Cash Back Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers  

11.50% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
21%  

APR for Cash Advances 

21% 

Penalty APR 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 

Transaction Fees 

  Balance Transfer 

Cash Advance 

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 if you pay your entire balance by the due date each month.  We 
will begin charging interest on cash advances or balance transfers on the transaction date. 
None 
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. 

$25 

Either $10 or 4% of the amount of each balance transfer, whichever is greater 
(maximum fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater 
(maximum fee $75) 

Foreign Transaction 

  Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

Late Payment 
  Returned Payment 
  Over the Limit Fee 

The lesser of minimum payment due or $25. 
$10.  
None 

How We Will Calculate Your Balance:  
See your account agreement for more details. 
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request. 
Cash Back:  1.5% of Purchases will be paid back to the Member in the form of a (Statement Credit?).  Cash Back will 
be paid once monthly in increments of $25 as earned.  
advances; quasi-
merchandise; ATM transactions; any checks that access your account; overdraft advances; earned interest; 
unauthorized or fraudulent charges; betting that includes lottery tickets, casino gaming chips, off-track betting and 
wager; or fees of any kind, including an annual fee, if applicable. To be eligible for Cash Back, account must be 
open and must be in good standing at the time of fulfillment.   
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the 
periodic rate for purchases will range from 0.0314% per day to 0.0576% per day which corresponds to an ANNUAL 
PERCENTAGE RATE ranging from 11.50% to 21%.  The periodic rate for cash advances is 0.0576% per day with a 
corresponding annual percentage rate of 21%. Balance transfers will be considered purchases and will have the 
same periodic rate and corresponding annual percentage rate as purchases.  Balance transfers will be referred to 
as Cash Advances for purposes of this disclosure. 
Effective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement.