Credit Card Rates, Fees and Cost Information
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 January 13, 2014. 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

Paying Interest

8.25%, 11.25%, 14.25%, or 17.25%
depending on your credit history. This APR will vary based on the Prime Rate*. 

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

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

Fees to Open or Maintain your 
Account 

• Annual Fee:
• Application Fee:

None
None

Transaction Fees

• Balance Transfer: 
• Cash Advance:
• ATM Withdrawal:
• Foreign Transaction:

Penalty Fees

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 not received by your due date.
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.

*Variable Rate Information: The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified as the “Prime
Rate” in the ”Money Rates” column of the Wall Street Journal increases or decreases as of 5 business days prior to the end of each quarter. The
Annual Percentage Rate will be equal to the Prime Rate plus a margin applicable at the time of the loan. The interest rate can change quarterly
on the first day of January, April, July, and October following a change in the Prime Rate. Any increase will take the form of more payments of the
same amount.

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

CURewards™ Program: For details on CURewards™ Program benefits and rules, call or write One Nevada Credit Union (Member Services), or 
write to PSCU, P.O. Box 31112, Tampa, FL 33631-3112.

If you choose to participate in the CURewards™ Program, points accumulated remain valid for redemption for a five-year period and will be  
reported on your monthly Visa® statement. Points are not accrued on delinquent accounts. If at any time you wish to cancel your participation in 
this program but retain your Visa® account, you must notify us in writing and return your Visa® card cut in half. Any points balance will be forfeited 
and you will be issued a new Visa® card. 

The Credit Union reserves the right to cancel this program at any time by providing you with thirty (30) days written notice. The Credit Union also 
reserves the right and sole discretion to cancel individual participation in the program based on misuse of the program as determined by the Credit 
Union. Program benefits will only be awarded to members in good standing (loan payments current, balances within established limits, no over-
drawn accounts).
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Federally insured by NCUA. Equal Housing Lender.