TYNDALL FEDERAL CREDIT UNION
VISA GOLD DISCLOSURE

R

Annual Percentage Rate (APR)
for purchases
Visa Gold Basic

R

R

Visa Gold Premium

Other APRs
Visa Gold Basic:

R

7.95% to 10.75%

11.90% to 12.90%

Cash Advance and Balance Transfer APR

7.95% to 10.75%

Visa Gold Premium:

R

Cash Advance and Balance Transfer APR

11.90% to 12.90%

Grace period

For Purchases: 25 days, starting with the billing date on the
statement

For Cash Advances: Always subject to FINANCE CHARGE from
the date they are posted to your account.

Method of computing the
balance for purchases

Annual fees

Minimum finance charge

Average Daily Balance

None

None

Transaction fee for purchases

None

Late payment fee

10% of payments due with a minimum of $2.00

Other Fees: Fee for ATM cash advances - None if performed at a Tyndall Federal Credit Union Branch or a Tyndall Federal
Credit Union Automated Teller Machine (ATM).

Wisconsin Fees Only: Wisconsin law provides that no agreement, court order or individual statement applying to marital
property will affect a creditor's interest unless prior to the time credit is granted, the creditor is provided with a copy of the
agreement, court order or statement, or has actual knowledge of any adverse provision.

New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing
of credit card rates, fees, and grace periods.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The
Ohio civil rights commission administers compliance with this law.

Washington State Residents: Washington state law against discrimination prohibits discrimination in credit transactions
because of race, creed, color, national origin, sex, or marital status. The Washington State Human Rights Commission
administers compliance with this law.

REV. 02/2010 TFCU 6146

FS785L