P.O. Box 67013 
Harrisburg, PA 17106
800.237.7328
psecu.com

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 

VISA® CLASSIC 
APPLICATION AND SOLICITATION DISCLOSURE

9.90%
2.90%  Promotional APR until December 31, 2017.F4      
After December 31, 2017, any remaining balance will be charged the APR for cash advances.F5      
9.90% 

APR for Cash Advances 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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 
Set-up and Maintenance Fees 
- Annual Fee
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
None
None
None
None
None

None
None
1.00%
None

 of each transaction in U.S. dollars 

Up to $20.00
None
None

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Promotional Period for Promotional APR. The Promotional APR for balance transfers will apply 
to transactions posted to your account from January 1, 2016 until December 31, 2016.

Effective Date.  
The information about the costs of the card described in this application is accurate as of January 1, 2016.          
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

PIN Replacement Fee 
Unreturned Card Fee 

$20.00 or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment.
None
None

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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