VISA CREDIT CARD AGREEMENT 
1. INTRODUCTION.   
This Agreement covers the Visa Credit Card issued by Northwest Community Credit Union (“Credit Union”).  This Agreement does not cover the Home Equity Visa Gold or Home Equity Platinum cards.  In this 
Agreement the words “you,” “your,” “yours,” “applicant,” and “Borrowers” mean any person who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is 
embossed on the Card.  The words “we,” “us,” “our,” and “Credit Union” mean Northwest Community Credit Union.  The word “Card” means any one or more credit cards issued under this Account.  If you sign an 
application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and 
severally, will be bound by the following terms and conditions which will govern this Account. 

2. YOU PROMISE TO PAY.   
You promise to pay us all amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by you or any other person, and to be jointly and severally liable with such a person, unless such other 
person does not have actual, implied, or apparent authority for such use, and you received no benefit from the use.  You promise to pay us either by direct payment, by automatic transfer or by payroll deduction. 

3. PURCHASES, DEPOSITS, AND CASH ADVANCES. 
Visa Credit Card Purchases.  You must sign the Card to use it.  Once you have signed the Card, you can use it to buy or lease goods, services or insurance wherever the Card is honored, up to the full amount of your 
Credit Line.  You may use it to get a cash advance from participating financial institutions.  You may also use your Card at ATMs identified as part of the PLUS, STAR, and CO-OP Networks, and other machines or 
facilities that we may designate to make withdrawals from your Visa line of credit.  

4. LIMITATIONS OF TRANSACTIONS.   
The maximum amount you may withdraw from ATMs or American Express travelers’ check dispensers on any one day is $500.00 for the Northwest Visa, Northwest Rewards Visa and Platinum Northwest Rewards 
Visa, unless we inform you of other limits.  Weekends and holidays will be treated as one day.  If you enter your PIN number more than three times in one day your card will not be accepted by the ATM or Point of 
Sale (POS) terminal on the fourth attempt.  Transactions for the Northwest Visa, Northwest Rewards Visa and Platinum Northwest Rewards Cards are limited to 20 per day.  There is also a daily purchase limit of 
$20,000.00 for Northwest Visa, Northwest Rewards Visa and Platinum Northwest Rewards Cards. These daily purchase and transaction limits may be superseded if you have already reached the limits of your available 
line of credit. 

5. CREDIT LINE.   
If your application is approved by us, this Agreement will constitute a revolving line of credit for an amount which will be the Credit Line under your Account.  We will advise you of the amount of your Credit Line.  
That amount will be the maximum amount you may have outstanding at any one time.  You agree not to attempt to obtain more credit than the amount of your Credit Line.  However, if you temporarily exceed your 
Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.  Obtaining such credit does not increase your Credit Line.  We retain the right to increase or decrease your Credit Line at any 
time for any reason.  Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate notice together with any changes in the applicable Minimum Monthly 
Payments.  Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice.  You may close your Credit Line at any time by notifying us in 
writing and returning all Cards cut in half.  If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability hereunder shall otherwise remain in 
full force and effect until you have paid us all sums due us under this Agreement and returned all Cards. 

6. SECURITY INTEREST.   
To secure your Account, you grant us a purchase money security interest under the Oregon Uniform Commercial Code in any goods you purchase through your Account.  If you default, we will have the right to recover 
any of these goods which have not been paid for through application of your payments in the manner described in Section 4.  You also grant us a security interest in all your deposit accounts with the Credit Union 
(except IRA accounts).  If you are in default under this Agreement, the Credit Union may apply all balances in your deposit accounts to the balance owing under this Agreement.  Collateral securing other loans with the 
Credit Union (except loans secured by real property) also secures this Account. 

7. PERIODIC STATEMENTS.   
Each month, if you have an outstanding balance, we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the billing cycle, your Previous Balance, your 
“New Balance,” any FINANCE CHARGE, and any other charges.  Your statement also will identify the remaining credit limit available and the “Required Payment Due” you must make for that billing period and the 
date it is due.  You agree to retain for statement verification copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account.  Unless you notify us of a billing error as 
described below, you accept your monthly statement as an accurate statement of your Account with us. 

8. MINIMUM PAYMENT REQUIRED.   
You agree that you will pay each month not less than the Minimum Monthly Payment on or before the scheduled monthly due date.  Minimum Monthly Payments include all amounts past due, late charges, and the 
minimum regular payment.  The minimum regular payment will be (a)2% of your Total New Balance or $25.00, whichever is greater your; (b) your Total New Balance, if it is less than $25.00, plus (c) any portion of 
the Minimum Payment(s) shown on prior statement(s) which remains unpaid.  You agree that you will pay each month the Minimum Monthly Payment on or before the due date shown on your periodic statement. You 
may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments.  We can accept late payments or partial payments, or checks, drafts, and money orders marked “payment 
in full,” without prejudice to our rights under this Agreement, which are hereby explicitly reserved.  Payments will be applied first to late charges, then to other fees or charges, FINANCE CHARGES, then to balances 
attributable to purchases through the Billing Date, and then to balances attributable to cash advances through the Billing Date.  The remainder, if any, will be applied to purchases since the last statement then to cash 
advances since the last statement. 

9. PAYMENTS.   
Payments received by mail at the address shown on your periodic statement by 5 PM on a business day will be credited as of the date of receipt.  In our sole discretion, we may waive the above provisions and receive 
payments at branch locations.  Payments made at a branch will be credited as of the date of receipt.  You may elect to make your monthly payment by payroll deduction with participating employers. 

10. CONDITIONS UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED.   
The total outstanding balance of purchases and cash advances in the Account on the closing date of a billing cycle including any FINANCE CHARGE will be shown on the Periodic Statement for that billing cycle as 
the “New Balance.” 
(a) Purchases.  Your due date will be at least 23 days after the statement date.  A FINANCE CHARGE will be imposed on the unpaid portion of purchases included in the New Balance and on purchases posted during 
the following billing cycle if the entire New Balance is not paid on or before the due date shown on your periodic statement.  This “grace period” allows you to avoid a FINANCE CHARGE on purchases for a billing 
cycle.  If you do not pay within the grace period, a FINANCE CHARGE will accrue on the unpaid balance from the first day of the billing cycle in which the payment is due. 
(b) Cash Advances.  A FINANCE CHARGE will be imposed on cash advances from the date each cash advance is posted to your Account.  There is no time period within which to pay to avoid a periodic FINANCE 
CHARGE on cash advances. 

11. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE MAY BE COMPUTED.   
The Credit Union figures the FINANCE CHARGE on your Account by applying the Daily Periodic Rate to the beginning daily purchase balance and cash advance balance for each day of the billing cycle.  The 
beginning daily balance for the first day of the billing cycle is shown on the periodic statement as the Previous Balance.  For each subsequent day, the beginning daily purchase and cash advance balances are determined 
by adding cash advances and purchases posted on the previous day to the previous beginning daily balance, and subtracting payments and credits posted on the previous day.  No FINANCE CHARGE is imposed on 
purchases if payments and credits received on or before the due date shown on the periodic statement (which will be at least 23 days after the statement date) are sufficient to pay the “New Balance” shown on your 
periodic statement.  Payments are applied first to late charges, then to fees, then to unpaid FINANCE CHARGES, then to balances attributable to purchases through the billing date, then to balances attributable to loan 
advances (including cash advances) through the Billing Date.  If payments and credits exceed the “New Balance” shown on your statement, payments will be applied to purchases since the last statement, then cash 
advances, then cash advances since the last statement.  Unless you give us different, special instructions when you send a payment, we will credit any excess payment amounts to your credit card account. 

12. METHOD FOR DETERMINING THE AMOUNT OF THE FINANCE CHARGE.   
The FINANCE CHARGE imposed on purchases and cash advances with respect to the billing cycle will be determined by multiplying each beginning daily balance for purchases and cash advances during the billing 
cycle by the Daily Periodic Rate and totaling the results.  The FINANCE CHARGE for any billing cycle will be the sum of the FINANCE CHARGE for purchases and the FINANCE CHARGE for cash advances. 

13. DAILY PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. 
The daily periodic rate and ANNUAL PERCENTAGE RATE may increase, and are based on an index, which is the Prime Rate as published in the Wall Street Journal (Western Edition).  The Credit Union adds a 
margin to the index.  The margin will be disclosed to you on the account opening disclosures when your account is opened. The total of the index plus the margin that we add is the ANNUAL PERCENTAGE RATE.  
The ANNUAL PERCENTAGE RATE includes only interest and not other costs.  The ANNUAL PERCENTAGE RATE is divided by 365 to produce the daily periodic rate.  The rate may change on the first day of 
your billing cycle each quarter (January, April, July, and October), based on the index rate published on the fifteenth day before the end of the prior quarter.  Any increase or decrease in the interest rate will affect the 
number of payments you make. 

14. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.   
We may impose fees and charges on your Account as set forth below.  The Credit Union reserves the right to assess other fees in the future, including a late payment fee.  You will be notified of any new fees as required 
by law. 
(a) Cash Advance Fee. For each cash advance you receive (whether in person, online, or through an ATM), you will pay a cash advance fee equal to 1.5% of the amount of the advance, with a minimum fee of $3.00 
(b) Late Payment Charge.  If your Minimum payment is not paid within 10 days after the Payment Due date, you will be subject to a single charge of $25.00. 
(c) Returned Check Charge.  If a payment you make (by any method, including checks, electronic payments or otherwise) is dishonored, you will pay a fee of $25.00.   
(d) Research and Copying Fees.  If you ask us to examine your Account or provide copies of documents, except in resolution of a billing error, we may charge you $10.00 for each copy and $10.00 per half hour for the 
research. 
(e) ATM Transaction Fee.  Transactions at any Northwest Community Credit Union or CO-OP Network ATM are free.  Withdrawals and balance inquiries at a foreign ATM will cost $1.50 each.  In addition if you use 
an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction.  The ATM surcharge will be debited from your account if you elect 
to complete the transaction.  Foreign ATMs are any Automated Teller Machines not owned by Northwest Community Credit Union or ATMs not affiliated with the CO-OP Network. 
(f) Travelers Check Fee.  American Express may charge a transaction fee on withdrawals at the time of each transaction made at an American Express Travelers Cheque Dispenser. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(h) Card Replacement Fee.  A $5.00 charge will be assessed against your Account for each replacement card you request. 
(i) Replacement PIN.  A $5.00 charge will be assessed for each replacement PIN you request. 
(j) Application Fee.  You agree to pay a $15.00 application fee for processing your Visa application regardless of whether we approve the application. 
(k)  Attorney Fees and Costs.  If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, fees 
on any appeal and fees for bankruptcy proceedings, and any post judgment collection services, if applicable.  These fees and costs may be added to your account balance and will bear interest at the ANNUAL 
PERCENTAGE RATE in effect at that time. 

15. CONDITIONS OF CARD USE.   
The use of your Card and Account are subject to the following conditions: 
(a)  Ownership of Cards.  Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who 
is authorized to honor the Card, immediately according to instructions.  The Card may be repossessed at any time in our sole discretion without demand or notice.  You cannot transfer your Card or Account to another 
person. 
(b)  Honoring the Card.  Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you.  If a merchant 
agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.  You may not use the card for any illegal or unlawful transactions and we may decline to authorize any 
transactions that we believe pose an undue risk or unlawful use. 
(c)  Currency Conversion.  Purchases, cash advances and ATM withdrawals made or processed (including any merchant or website) in a foreign country will be billed to you in US dollars.  The conversion to dollars 
will be at a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-
mandated rate in effect for the applicable central processing date, in each instance plus 1% Visa Service Assessment. 
(d)  Notices and Payments.  All notices will be sent to your address as shown in the application.  You agree to advise us promptly if you change your mailing address.  All payments should be mailed to us at the 
remittance address as shown on your periodic statements.  Payments received at that address will be credited to your Account as of the date received.  Written notices and inquiries to us must be sent to the address 
shown on your periodic statements. 
(e)  Personal Identification Number.  If we issue you a Personal Identification Number (“PIN”) for use with your Card in accessing your line of credit at automatic teller machines (“ATMs”), these numbers are issued to 
you for your security purposes.  These numbers are confidential and should not be disclosed to third parties.  You are responsible for safekeeping your PIN.  You agree not to disclose or otherwise make available your 
PIN to anyone not authorized to sign on your Accounts.  To keep your Account secure, please do not write your PIN on your Card or keep it in the same place as your Card. 
(f) Unlawful Use.  You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. 

16. ACCOUNT STATEMENT. Unless you notify us of a billing error as described below, you accept your periodic statements as accurate statements of your Account with us. 

17. TRANSFER. You may not transfer your Account to any other person. 

18. TERMINATION. We may terminate or suspend your credit privileges under this Agreement at any time, in our sole discretion, without demand or notice. You must notify us in writing if you wish to terminate the 
Agreement. If you terminate this Agreement, or if we terminate this Agreement, the provisions of the Agreement, and your liability hereunder shall otherwise remain in full force and effect until all cards or credit 
instruments or devices issued to you have been cancelled and/or returned to us and you have paid us all sums due us. 

19. DEFAULT. You will be in default under this Agreement if any of the following occur; (a) Any Minimum Monthly Payment is not made when due; (b) You become insolvent, bankrupt, or you die; (c) You violate 
any part of this Agreement, or any other agreement with us; or (d) if we reasonably deem ourselves insecure with respect to your Account. Upon default, we may declare the entire unpaid balance immediately due and 
payable, and you agree to pay that amount plus any attorney’s fees and costs incurred by us. We can delay enforcing any right under this Agreement without losing that right or any other right. We will notify you in 
writing of any such action as soon as practical if it occurs. 

20. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws of the State of Oregon. 

21. SEVERABILITY. If any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect. 

22. LOSS OR THEFT OF CREDIT CARD. You agree to notify us immediately, orally or in writing, at Operations Department, Northwest Community Credit Union, PO Box 70225, Springfield, Oregon, 97475, or 
telephone (541) 747-4231 or (800) 682-6075 of the loss, theft or unauthorized use of your Credit Card. If you notify us of your lost or stolen Credit Card, you will not be liable for any losses. This liability exclusion will 
apply provided you were not grossly negligent or fraudulent in handling your Credit Card, otherwise your liability for unauthorized Visa Credit Card transactions may be up to $50.00. (Your rights and responsibilities 
for unauthorized ATM/POS transactions are set forth below in Section 27 “Your ATM/Visa Check Card Obligations”). 

23. IRREGULAR PAYMENTS. We can accept late payments or partial payments, or checks and money orders marked “payment in full,” without prejudice to our rights under this Agreement, which are explicitly 
reserved. 

24. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (i.e., credit bureaus, merchants, and other financial institutions) regarding the status and history of your 
Credit Line. You agree to provide us, at any time we deem necessary, with a current financial statement. We may investigate your credit directly or through a credit reporting agency. 

25. ACKNOWLEDGMENT AND AMENDMENTS. You understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing Notice. You acknowledge that you have received a copy of this 
Agreement and Disclosure and the Fair Credit Billing Notice. We have the right to change any terms or conditions of this Agreement at any time, subject to applicable laws. 

BILLING ERROR RIGHTS 

What To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: Northwest Community Credit Union, P.O. Box 70225, Springield, OR 97475. In your letter, give 
us the following information: 

• Account information: Your name and account number. 

• Dollar amount: The dollar amount of the suspected error. 

• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error appeared on your statement. 

• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question. 

While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question or report you as delinquent on that amount. 

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

• We can apply any unpaid amount against your credit limit. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

PO Box 70225 Springfield OR 97475 1.800.452.9515