Bellco Credit Union
Account Disclosure 
Visa� PlatinumColorado RewardsCredit Card
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases 0% Introductory APR for the first six months on purchases.  After that, the Standard APR 
will range from 11.50% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  3.99% Introductory APR for the first 12 months on any balance transfers that occur within 
the first 90 days of account opening.  After that, the Standard APR will be  21%.   
APR for Cash Advances 21% 
Penalty APR None 
Paying Interest 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 and balance transfers on the transaction date. 
Minimum Interest Charge None 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 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 . 
Fees
Annual Fee None 
Transaction Fees 
 Balance Transfer  
 
 Cash Advance  
 
 Foreign Transaction  
$0 fee on transfers made within 90 days of account opening, After that, 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) 
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 . 
Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late 
payment. 
Earn 15,000 Bonus Points: After you spend $500 or more on purchases in the first 90 days from account opening.  
balance transfers; cash advances; quasi-cash transactions such as  gift cards or money orders; returned 
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. 
Bonus points will be added to your rewards points balance within 8 weeks from the end of the 90-day promotion.  To be eligible for this bonus 
offer, account must be open and not in default at the time of fulfillment.    
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, t he 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 a cash 
advance and will accrue interest like a cash advance.  Balance transfers will be referred to as cash advance 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.