Elevations Credit Union Visa Credit Card Disclosures 
Effective January 1, 2013 

Interest Rates and Interest Charges 

ANNUAL PERCENTAGE RATE* 
(APR)  for Purchases 

Peak Platinum Visa: 
8.99%, 9.99, 10.99%, 11.99% and 
13.99% 
When you open your account based on your creditworthiness 

Buff One Visa: 
13.99% 
(CU Boulder Students) 

*Rates  shown  are  variable  and  subject  to  change.  Your  rate  may 
vary  based  on  Prime  Rate,  individual  creditworthiness,  and  our 
underwriting standards. 

APR for Balance Transfers 

Same APR range as listed above for Purchases by card type. 
This APR will vary with the market based on the Prime Rate* 

APR for Cash Advances 

Same APR range as listed above for Purchases by card type. 
This APR will vary with the market based on the Prime Rate* 

Penalty APR and When It Applies  None 

How to Avoid Paying Interest on 
Purchases 

Consumer Financial Protection 
Bureau Credit Card Tips 

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. 

To learn more about factors to consider when applying for or 
using a credit card, visit: 
http://www.consumerfinance.gov/learnmore.  

Fees 

Set-up and 
Maintenance Fees 

Rate Buy Down 

$250 (Rate Buy Down is defined as a reduction of the Purchase APR due to 
a credit application for a lower rate) 

Annual 

None 

 
 
 
 
 
 
 
 
 
 
 
Transaction Fees 

Balance Transfer 

None 

Cash Advance 

None 

Transaction Fee 

None 

Visa Receipt Copy 

$15 

Foreign Transaction 

1% of International Transaction 

Rush Card Order 

$50 Domestic or International 

Lost or Stolen Card 

$15 First occurrence 
$30 Second occurrence 

Research 

Penalty Fees 

Late Payment 

$25/hr-1 hour minimum 

$15 fee if minimum payment is not received 10 days after payment due date 
(payments due the 19th of each month). 

Over-the-Credit Limit 

$35 if you elect the 5% over-the-limit feature, in any billing cycle in which 
your balance exceeds the credit line, (billing cycle begins on the 23rd of each 
month). 

Returned Payment 

$25 

How We Will Calculate Your Balance: W e will use a method called  average daily balance 
(including new purchase

. 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. 

The information about the costs of the card described in this application is accurate as of 
05/09/2011.  This information may have changed after that date. To find out what may have 
changed, call 303.443.4672, 970.667.8585, or 800.429.7626, visit ElevationsCU.com, or write 
Elevations Credit Union, P. O. Box 9004, Boulder, CO 80301-9004. 

Pledge of Shares and Security Interest: 

The credit union will acquire a security interest in the property purchased with 
your credit card; and collateral securing other loans with us may also secure this 
account.  Also, you are giving us a security interest in your shares and other 
deposits in the credit union. 

Use of your Elevations Credit Union Peak Platinum Visa, Vista Platinum Visa or 
Buff One Visa will be your acknowledgement and acceptance of these terms.