Interest Rates and Interest Charges

RATE PREFERRED VISA LEVEL I
RATE PREFERRED VISA LEVEL II
RATE PREFERRED VISA LEVEL III
APPLICATION AND SOLICITATION DISCLOSURE

Annual Percentage Rate (APR) for 
Purchases

 Introductory APR for a period of six billing cycles. 

8.90%

. This APR will vary with the market based on the Prime 

Rate Preferred Visa Level I
5.90%
After that your APR will be 
Rate.

Rate Preferred Visa Level II
7.90%
After that your APR will be 
Rate.

Rate Preferred Visa Level III
10.90%
After that your APR will be 
Rate.

 Introductory APR for a period of six billing cycles. 

11.90%

. This APR will vary with the market based on the Prime 

 Introductory APR for a period of six billing cycles. 

12.75%

. This APR will vary with the market based on the Prime 

APR for Balance Transfers

Rate Preferred Visa Level I
7.90%

Rate Preferred Visa Level II
9.90%

Rate Preferred Visa Level III
10.75%

APR for Cash Advances

Rate Preferred Visa Level I
5.90%

 Introductory APR for a period of six billing cycles. 

After that your APR will be 

8.90%

. This APR will vary with the market based on the Prime Rate.

 Introductory APR for a period of six billing cycles. 

11.90%

. This APR will vary with the market based on the Prime Rate.

Rate Preferred Visa Level II
7.90%
After that your APR will be 

Rate Preferred Visa Level III
10.90%
After that your APR will be 

 Introductory APR for a period of six billing cycles. 

12.75%

. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on 
Purchases

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. 

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

Transaction Fees
-  Foreign Transaction Fee

Penalty Fees
-  Late Payment Fee
-  Over-the-Credit Limit Fee
-  Returned Payment Fee

1.00% of each transaction in U.S. dollars

Up to $25.00 
None
Up to $25.00

SEE NEXT PAGE for more important information about your account.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Loss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR 
if you are 60 days late in making a payment. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of August 1, 2015. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee 

Returned Payment Fee 

 $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days 
late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is less.

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