Interest Rates and Interest Charges Visa® Platinum Visa Platinum Rewards   Annual Percentage Rate (APR) for Purchases APR for Cash Advances APR for Balance Transfers Penalty APR and When It Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau Fees Annual Fee Transaction Fees Balance Transfer Cash Advances Foreign Transaction Penalty Fees Late Payment Fee 11.25% to 17.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate * 11.25% to 17.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate ! 11.25% to 17.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate ! 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 and 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. None None 2% of advance amount Exchange rate plus 1% of transaction. up to $29 12.25% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate ! 12.25% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate ! 12.25% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate ! 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 and 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. None None 2% of advance amount Exchange rate plus 1% of transaction. up to $29     How We Will Calculate Your Balance: We use a method called “average daily balance {including new purchases and cash advances).” 1 Rates for this product are based on an evaluation of applicant credit. We calculate the Annual Percentage Rate monthly by adding 8.00% to 14.00% for Visa Platinum and 9.00% to 15.00% for Visa Platinum Rewards to the Prime Rate. The margin is based on an evaluation of applicant credit. Each month, the Prime Rate is added to the margin to calculate the APR. The Prime Rate used to determine your APR is the Wall Street Journal Prime Rate in effect on the fifth to last business day of the month. The APR, when changed, affects your entire balance and is effective the first full statement cycle following the change in the Prime Rate. When a range of rates is published in the Wall Street Journal on that day, the Prime Rate will be the highest rate. The APR will never be more than NCUA‘s ceiling rate. Rate information is accurate as of 8/20/15 and is subject to change. Call HVFCU at 800.468.3011 for current information.