P.O. Box 360287 
Birmingham, AL 35236 
205.985.2828 • 1.800.248.3526 

VISA® PLATINUM  
SECURED CARD APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from Consumer Financial 
Protection Bureau 

Your APR will be 14.90%. 
Your APR will be 14.90%. 

Your APR will be 14.90%. 

22.00% 
This APR may be applied to your account if you: 

-  Make a late payment 

How Long Will the Penalty APR Apply?  If your APRs are 
increased for this reason, the Penalty APR will apply until you 
make six (6) consecutive minimum payments when due. 
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.   

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.goc/learnmore. 

Fees 
Transaction Fees 

•  Cash Advance Fee 

•  Foreign Transaction Fee 

Penalty Fees 

•  Late Payment Fee 
•  Returned Payment Fee 

$5.00 or 3.00% of the amount of each cash advance, 
whichever is greater  
1.00% of each transaction in U.S. dollars. 

Up to $35.00 
Up to $29.00 

How We Will Calculate Your Balance.  We use a method called “average daily balance (including new purchases).”   

Application of Penalty APR.  Your APR may be increased to the disclosed Penalty APR if you are 60 days late in 
making a payment. 

Effective Date.  The information about the costs of the card described in this application is accurate as of August 5, 
2014.  This information may have changed after that date.  To find out what may have changed, contact the Credit 
Union. 

OTHER DISCLOSURES 

$25.00  or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment.  In the 
event that you fail to make a payment on time in any of the six (6) 
billing cycles following the initial violation, you will be charged $35.00  
or the amount of the required minimum payment, whichever is less. 

Returned Payment Fee 

$29.00 or the amount of the required minimum payment, whichever is  
less. 

Card Replacement Fee 

$5.00 

Additional Card Fee 

$3.00 per card