501 S. Capitol Ave. | Lansing, MI 48933 
888.267.7200 | Fax 517.267.7024 
laketrust.org 

VISA PLATINUM ELITE  
Credit Card Account Opening Disclosures 

INTEREST RATES AND OTHER CHARGES 

Annual Percentage Rate  
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest  

3.99 % Introductory APR for a period of six (6) months. 
After that, or if you do not qualify for the Introductory APR, 8.15% - 19.15%, 
based on your creditworthiness 
This APR will vary with the market based on the Prime Rate. 
3.99 % Introductory APR for a period of six (6) months. 
After that, or if you do not qualify for the Introductory APR, 11.15% - 22.15%, based on 
your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 
3.99 % Introductory APR for a period of six (6) months. 
After that, or if you do not qualify for the Introductory APR, 11.15% - 22.15%, based on 
your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 
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. 

For Credit Card Tips from the 
Federal Reserve Board 

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 

Penalty Fees 
  Late Payment 
  Returned Payment Fee 

1% of each foreign currency transaction in U.S. dollars 

Up to $35 
Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for 
more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

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 (1) or more days late 
in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles 
following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, 
whichever is less. 
$25.00 or the amount of the required minimum payment, whichever is less, per returned payment 

Statement Copy Fee 

$2.00 per statement 

Rush Fee 

Card Replacement Fee 

$20.00 per card 

$25.00 per card 

Research Fee 

$20.00 per hour, minimum of one (1) hour 

Stop Payment Fee 

$28.00 per request 

Sales Draft Copy Fee 

$5.00 per sales draft 

Periodic Rates: 
The Introductory Purchase APR is 3.99%, which is a monthly periodic rate of 0.3325% 
The Purchase APR is 8.15%-19.15% which is a monthly periodic rate of 0.6792% - 1.5958 %. 
The Introductory Cash Advance APR is 3.99%, which is a monthly periodic rate of 0.3325% 
The Cash Advance APR is 11.15%-22.15% which is a monthly periodic rate of 0.9292 %-1.8458 %.  
The Introductory Balance Transfer APR is 3.99%, which is a monthly periodic rate of 0.3325% 
The Balance Transfer APR is 11.15 %-22.15% which is a monthly periodic rate of 0.9292 %-1.8458 %.  

Effective 07.01.13 

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Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be 
determined by the Prime Rate on the 3rd Tuesday of March, June, September, and December of each year as published in The Wall Street Journal 
"Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 23.99%. Any increase in the ANNUAL 
PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer 
available, the Credit Union will choose a new index which is based upon comparable information.  

Margin: 
Purchases will be charged at 4.90%-15.90% above the Index.  
Cash advances will be charged at 7.90%-18.90% above the Index.  
Balance transfers will be charged at 7.90%-18.90% above the Index.  

Effective 07.01.13 

ELITE 1-5