(cid:3)

(cid:3)

Platinum
Visa® Card

CURewards
Visa® Card

Cash Rewards
Visa® Card

Secured
Visa® Card

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases and 
Cash Advances

APR for Balance Transfers

APR for  Cash Advances2

Penalty APR and 
When it Applies

How to Avoid Paying
Interest on Purchases

Minimum Interest
Charge
For Credit  Card Tips 
from the Consumer 
Financial Protection
Bureau

Fees

Annual  Fee

Transaction Fees

8.65%(cid:486)18.00%
This APR will vary 
with the market based 
on the Prime Rate.
5.50%-7.50%1
This special APR 
promotion if processed in 
first 30 days of opening.
8.65%(cid:486)18.00%
This APR will vary with 
the market based on the 
Prime Rate.
8.65%(cid:486)18.00% 
This APR will vary with 
the market based on the 
Prime Rate.

10.65%(cid:486)18.00%
This APR will vary with the 
market based on the Prime
Rate.

  10.65%(cid:486)18.00%
   This APR will vary with the   
market based on the Prime
Rate.

10.65%(cid:486)18.00% 
This APR will vary with the 
market based on the Prime
Rate.
10.65%(cid:486)(cid:883)8.00% 

This APR will vary with the 
market based on the Prime
Rate.

  16.90%
   This is a fixed  rate.

  16.90%
   This is a fixed  rate.

10.65%(cid:486)18.00%
This APR will vary with the 
market based on the Prime
Rate.

10.65%(cid:486)(cid:883)8.00%
This APR will vary with the 
market based on the Prime
Rate.

  16.90% 
   This is a fixed rate.

18.00% 
This APR may be applied to your account if your account  is delinquent  60 or more 
days.
How Long Will the Penalty APR Apply?  The increased  annual  percentage   rate, fee, or charge  will  cease to 
apply if the  Credit Union  receives six consecutive  required  minimum   periodic  payments  on or before  the 
payment  due date beginning  with the first payment due following  the effective date of the increase.
We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date 
is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month.

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 at http://www.consumerfinance.gov/learnmore.

None

Balance Transfer

2% of the amount  of the transaction with  a minimum  of $10.00 and a maximum  of $75.00

Cash Advance

2% of the amount  of the transaction with  a minimum  of $10.00 and a maximum  of $75.00

Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees

Late Payment

Up to $25.00

Over(cid:486)the(cid:486)Credit(cid:486)Limit None
Returned Payment

Up to $25.00

1 To qualify for special balance transfer promotion, balance transfers from other creditors must post to your account within the first 30 days 
of account opening. The special promotion is a “life of the balance” promotion, meaning the promo rate will remain until the balance is paid 
in full. 
2 We will limit on the amount of Cash Advances you can take in a given period, which is subject to change. Currently you may make a cash 
advance up to $1,000 per day.(cid:3)
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Application and Solicitation Effective  April 10, 2017