VISA CREDIT CARD RATES AND TERMS 
Effective January 29, 2015 and subject to change. 

NON-VARIABLE INTEREST RATES AND INTEREST CHARGES 

Card Details 

Annual Percentage 
Rate (APR) for 
Purchases: 
APR For Balance 
Transfers: 
APR For Cash 
Advances: 
Paying Interest: 

Visa® Platinum Card1 

9.99% - 19.99%, based on creditworthiness. 

13.99% - 23.99%, based on creditworthiness. 

13.99% - 23.99%, based on creditworthiness. 

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 begin charging interest on balance transfers 
and cash advances on the transaction date. 

For Credit Card Tips 
From The Consumer 
Financial Protection 
Bureau: 
1This non-variable APR is a set rate and is not determined by an index; however, this APR is not guaranteed. Non-variable rates are 
intended to be stable, but can be changed based on market conditions or other reasons. You will be notified prior to any such change. 

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. 

SHARE SECURED FIXED INTEREST RATES AND INTEREST CHARGES 

Card Details 

APR For Purchases: 

APR For Balance 
Transfers: 
APR For Cash 
Advances: 
Paying Interest: 

Share Secured Visa Classic Card2 

15.00% 
15.00% 

15.00% 

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 begin charging interest on balance transfers 
and cash advances on the transaction date. 

For Credit Card Tips 
From The Consumer 
Financial Protection 
Bureau: 
2Funds in a share account equal to 120% of the approved credit limit are held as security for Share Secured Visa Classic Credit Cards.  

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. 

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VISA CREDIT CARD RATES AND TERMS 
Effective January 29, 2015 and subject to change. 

FEES 

Annual Fees 

Visa Platinum: 

None 

Share Secured Visa Classic: 

$20 

Transaction Fees 

Balance Transfer(s): 

2% of the amount of each advance ($1 min). 
The limit for combined cash advances/balance transfers is up to your 
approved credit limit or $10,000, whichever is lower. 

Cash Advance(s): 

2% of the amount of each advance ($1 min). 
The limit for combined cash advances/balance transfers is up to your 
approved credit limit or $10,000, whichever is lower. 

Foreign Transaction(s): 

2% of the amount of the purchase or cash advance converted to U.S. 
dollars. (International Service Assessment Fee:). 

Penalty Fees 

Late Payment Fee: 

$10 if your minimum monthly payment is late more than 10 days. 

Returned Payment Fee: 

$20 each. 

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

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

REV. 11.05.14 

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