Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases VISA Platinum: 9.99%  to 18.00%  when you open your account, 
based on your creditworthiness. 
VISA Gold: 10.99%  to 18.00%  when you open your account, based 
on your creditworthiness. 
VISA Classic: 11.99%  to 18.00%  when you open your account, 
based on your creditworthiness. 
APR for Balance Transfers Balance transfers are considered cash advances. (Se e next line) 
APR for Cash Advances 8.49% 
The APR will vary. The APR  is the prime rate as pu blished in the Wall Street 
Journal on the last day of the month, plus 4.99%. 
Penalty APR and When it 
Applies Not applicable 
How to Avoid Paying Interest 
on Purchases Your due date is at least 25 days after the close o f each billing cycle. We will 
not charge you any interest on purchases if you pay  the entire balance by the 
due date each month. 
Minimum Interest Charge None 
For Credit Card Tips from the 
Federal Reserve Board To learn more about factors to consider when applyi ng or using a credit card, 
visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/credit card 
Fees 
Transaction Fees 
   � Cash Advance $2.00 
   � Foreign Transaction 2% of the amount of each foreign currency purchase after its conversion to US 
currency 
Penalty Fees 
   � Late Payment up to $25.00 
   � Returned Payment up to $25.00 
Other Fees 
   � Annual Fee VISA Classic: $10.00; VISA Gold and Platinum: $20.00. Waived if member 
has direct deposit. 
   � Card Replacement $10.00 
Rate sheet as of: 3/1/2016 
Page 3 of 3 This information about the costs of the cards descr ibes in this disclosure is accurate as of the date printed below. 
This information may have changed after that date. To find out what may have changed, contact Member 
Services at 800-338-0221, ext. 9829, or info@rtn.or g. How We Will Calculate Your Balance: We use a method called 'average daily balance (incl uding new 
purchases).'CREDIT CARD DISCLOSURE 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your disclosure agreement. 
Maximum Credit Limits:  VISA Classic: $10,000;  VISA Gold or Platinum: $25 ,000