9009 LASER WORD FI14160 Rev 6-2018  COPYRIGHT 2009 Securian Financial G roup, Inc. All r ights reserved.  
First Source Federal Credit Union 
4451 Commercial Drive New Hartford, NY 13413 (315)
735-8571(800)
735-8571
IMPORTANT CREDIT CARD DISCLOSURES  
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of _______________ . You can contact us toll free at the number or address above to inquire if any changes occurred since the effective date. 
INTE REST RATES and INTEREST CHARGES : 
VISA PLATINUM  VISA PLATIN UM REWARDS PLUS  
Annual Perc entage Rate (APR) for 
Purchases, Cash Advances, & Balance Transfers 8.90%, 11.90%, 
13.90%, 15.90%, or 17.90% 
depending on your credit history. _____%, _____%, _____%, 
_____%, or _____% 
depending on your credit history. This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 21 days after we mail your billing statement. We 
will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account . 
Minimum Interest Charge None 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 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:  
Fees to Open or Maintain your 
Account: 
-Annual Fee:-Application Fee: None None 
Transaction Fees  
-Balance Transfer:-Cash Advance:-Foreign Transaction: None None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not inv olve a currency conversion 
Penalty Fees  
-Late Payment:-Over-the-Credit Limit:-Returned Payment: Up to $25.00 if your payment is late. None Up to $15.00 if your payment is returned for any reason. 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases) ." Minimum Monthly Payment: 2.5% of the outstanding balance, with a minimum of $15.00, whichever is greater. 9/3/20
9.74 7.74 11.74
14.74 17.74