Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it 
Applies

How to Avoid Paying 
Interest on Purchases

Minimum Interest 
Charge

Loyalty Rewards Visa Platinum Rewards Visa
8.90%  to 
18.00% based on 
your creditworthiness
8.90%  to 
18.00% based on 
your creditworthiness
8.90%  to 
18.00% based on 
your creditworthiness
None

9.90%  to 
18.00% based on 
your creditworthiness
9.90%  to 
18.00% based on 
your creditworthiness
9.90%  to 
18.00% based on 
your creditworthiness

Share Secured Visa
13.99%  to 
17.99% based on 
your creditworthiness
13.99%  to 
17.99% based on 
your creditworthiness
13.99%  to 
17.99% based on 
your creditworthiness

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.
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 Consumer Financial Protection 
Bureau at  http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None

Transaction Fees

-Balance Transfer

-Cash Advance
-Foreign Transaction

Penalty Fees

-Late Payment

None

None
Up to 1% of the transaction amount.

5% (minimum $20.00, maximum $30.00) of the schedule payment 
if not paid within 5 days of the payment due date

-Over-the-Credit Limit

-Returned Payment

$20.00 each month your balance exceeds your credit limit by 
$200.00 or 10% whichever is less.
$25.00

How We Will Calculate Your Balance: We use a method called "average daily balance(including new 
purchases."

01/24/2014

VI SA Disclosure

I n t hese disclosures, “ We,”  “ Our,”  “ Us,”  “ Credit  Union”  or “ FCFCU”  m eans Fresno Count y Federal Credit  Union.

N OTI CE:

You agree t hat  we m ay obt ain any inform at ion given, including em ploym ent  and use consum er credit  report s and exchange credit  
inform at ion in connect ion wit h t his offer and any updat e, renewal or ext ension of credit  we m ay ext end t o you or for any ot her 
legit im at e business purpose. I f you request , we will inform  you whet her any credit  report  was request ed and, if so, t he nam e and 
address of t he consum er report ing agency which furnished t he report . You agree t hat  we m ay share personal and account  inform at ion 
about  you wit hin Fresno Count y Federal Credit  Union for t he purpose of m arket ing t o you for our product s and services, including 
banking, insurance and invest m ent  product s. You agree t hat  we reserve t he right  based upon our evaluat ion of inform at ion furnished 
by you or ot hers, t o open a Fresno Count y Federal Credit  Union Visa Classic account , or a Fresno Count y Federal Credit  Union Visa 
Plat inum  account , wit h t he pricing t erm s st at ed below. You m ust  be at  least  18 years old t o qualify. You m ust  have a valid perm anent  
hom e address wit hin t he 50 Unit ed St at es or Dist rict  of Colum bia. Responses wit h addresses out side t his m arket  area, including 
addresses in US t errit ories, com m onwealt hs and possessions, m ay not  be approved. You agree t hat  t he use of any card or account  
issued in connect ion wit h t his offer is subj ect  t o t he t erm s specified in, and such t erm s are subj ect  t o change as provided in, t he 
Cardm em ber Agreem ent  m ailed wit h your card. The Cardm em ber Agreem ent  cont ains a binding arbit rat ion provision which m ay affect  
your right s t o go t o court , including your right  t o a j ury t rial or your right  t o part icipat e in a class act ion or sim ilar proceeding. 

St at e laws require t he following not ice:  California Resident s:  Married applicant s m ay apply for separat e credit . 

Your signat ure on t his applicat ion cert ifies t hat  t he above st at em ent s are t rue and com plet e. You agree t o be bound by t he t erm s and 
condit ions of t he agreem ent  and t he Federal Trut h and Lending disclosure st at em ent s. I f t here is m ore t han one signat ure below, each 
of you underst ands and agrees t hat  each person signing will have full and equal access t o any credit  line ext ended and will be 
individually and j oint ly liable for paym ent  of all am ount s owing on t he account . 

The Credit  Union m ay enforce a lien, including cost s of collect ion and reasonable at t orney fees, against  m y Credit  Union account ( s)  if 
m y VI SA card is in default . Any ot her secured loans you have wit h t he Fresno Count y Federal Credit  Union, now or in t he fut ure also 
secure t his loan, except  any loan secured by your principal residence.

BALAN CE TRAN SFER D I SCLOSURES: 

You agree t o allow approxim at ely 30 days for Us t o process your response and t ransfer t he balance( s)  t o your Fresno Count y Federal 
Credit  Union account . Please cont inue t o m ake at  least  m inim um  paym ent s on your ot her credit  cards unt il we not ify you t hat  t he 
balances have been t ransferred. Fresno Count y Federal Credit  Union is not  responsible for fees and finance charges incurred by you 
prior t o your balance being t ransferred t o Fresno Count y Federal Credit  Union. Paym ent  of t he am ount ( s)  aut horized by you m ay or 
m ay not  sat isfy any out st anding balances( s)  on t he designat ed account ( s) . You will cont inue t o be responsible for any balances on 
your ot her credit  cards. I n t he event  t hat  your request ( s)  exceed t he am ount  of your credit  line, t he Credit  Union will fulfill your 
request s in num eric order as list ed in your response, m ay decline t o process one or m ore request s and/ or m ay com plet e one request  
im part ial am ount . The paym ent  and t ransfer of balances is cont ingent  upon approval by t he Credit  Union and receipt  of com plet e, 
legible balance t ransfer request s. Your balance t ransfer request  m ay not  be used t o m ake paym ent s t oward am ount s you owe Fresno 
Count y Federal Credit  Union. Transfer request s t o cash or t o yourself cannot  be processed.

01/24/2014