VISA CREDIT CARD & PERSONAL LOAN 
RATES AND TERMS  
Rates effective December 31, 2009 and subject to change. 

Card Type 

Annual Percentage Rate (APR) for Purchases and Cash Advances 

VISA® CREDIT CARD RATES AND TERMS 

BEST 
CHOICE 

Visa Platinum  

Visa Gold 

Visa Classic 

Share Secured Visa Gold1 

Share Secured Visa Classic1 

First Time Borrower Visa 

Variable rate information 

Grace period for repayment of purchase 
balances  

Method for computing the balance for 
purchases  and cash advances  
Annual fee 

Transaction fee for cash advances  

Other fees 

9.99% 
12.90% 
9.99% 
11.00% 
15.00% 
19.99% 

 Variable for Visa Platinum  

 Fixed for Visa Gold 

 Variable for Visa Classic 

 Fixed for Share Secured Visa Gold 

 Fixed for Share Secured Visa Classic 

 Fixed for First Time Borrower Visa 

Your APR may vary. Rates will be determined by adding 5.40% for participation in the Visa Classic and 3.90% 
for participation in the Visa Platinum to the highest Prime rate as published in The Wall Street Journal  on the 
15th or next business day of the current calendar month. Your APR shall not be lower than 9.99% or higher 
than 19.99%. 
30 days on average. 
NOTE: There is no grace period for cash advances and balance transfers. 

Average Daily Balance (including new  transactions) 

Visa Platinum, Visa Gold, Visa Classic , Share Secured Visa Gold, First Time Borrower Visa: $0 
Share Secured Visa Classic: $20 
2% of the amount of the advance ($1 min/$50 max) 

International Service Assessment Fee: 1% of the amount of  the purchase or cash advance. 
(international transaction) 
Late Payment Fee: 
Over Credit Limit Fee: 

$10 if your minimum monthly payment is 10 days or more late. 
$10 for any month the balance of your account on the statement date 
exceeds the approved credit limit by $500 or 20%, whichever is less. 

1
Funds in a share account are held as security for Share Secured Visa Gold and Visa Classic Credit Cards. 

LOAN RATES AND TERMS 

PERSONAL LOANS 

Tax Reward Signature 
Signature2 

Certificate Secure ($25,000 or more) 

Certificate Secure (less than $25,000) 

Share Secured 

Annual Percentage 
Rate (APR) 
10.950% 

15.500% 

2.00% + Dividend Rate 

3.00% + Dividend Rate 

5.000% 

Rate Type  

Fixed 

Fixed 

Fixed 

Fixed 

Fixed 

Estimated Payment 
Per $1,000 
$19.00 

$21.41 

N/A 

N/A 

$16.10 

2Rates shown are for qualified buyers and may vary based on the amount financed, term and credit history. FIRST TIME BORROWER: 4% over applicable APR.  
CREDIT REBUILDER: 6% over applicable APR. 

For Certificate Secured Loans, the entire remaining unpaid balance shall be due and payable upon the maturity of the Certificate Account. The APR and the corresponding 
Daily Periodic Rate will be shown on the Loan Advance Voucher. Discounts do not apply. 

REV. 09.30.09