INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate 
(APR) for purchases

Credit Score

Visa Classic

A
10.25%

B
12.25%

C
13.25%

D
15.50%

Visa Rewards

12.50%

13.50% 15.00% N/A

We will tell you in writing which rate applies  
upon approval of your application. Rate based on credit score.

Shared Secured 13.50%

APR for Balance Transfers 

The Annual Percentage Rate will be 2% higher than the stated interest rate based on your score. 

APR for Cash Advances 

The Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.

How to Avoid Paying 
Interest on Purchases 

Your due date is 25 days after the close of each billing cycle. We will not charge 
interest on purchases if you pay your entire balance by the due date each month. 

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.

FEES
· Annual Fee 

Transaction Fees 

None

· Balance Transfer 
· Cash Advance 
· Foreign Transaction Fees 

0% of the amount of each transfer. 
1.50% of transaction amount.
1% of transaction amount.

Penalty Fees 
· Late Payment (15 Days or More)  $10.00 
$15.00 
· Returned Payment Fee 
None 
· Over-the-Limit Fee 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).”

The information about the cost of the card described on this application was printed on June 1, 2018 and was 
accurate as of that date, but is subject to change after that date.  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement.

GREATER SPRINGFIELD
CREDIT UNION

1030 Wilbraham Road, Springfield, MA 01109
Phone:  (413) 782-3161   Fax: (413) 783-0142

www.grscu.org

 
 
 
 
 
 
 
 
d
r
a
C

t
i
d
e
r
C

®
a
s
i
V

n
o
i
t
a
c

i
l

p
p
A

d
r
o
w
s
s
a
p
s
i

t
n
u
o
c
c
a

r
u
o
Y

.

e
r
u
c
e
s
d
n
a

e
f
a
s

.

d
e
t
p
y
r
c
n
e

i

l

y
h
g
h
d
n
a
d
e
t
c
e
t
o
r
p

?
d
e
t
r
a
t
s

t
e
g

I

o
d
w
o
H

t
a
h
t
p
p
a
e

l
i

b
o
m
e
s
u
-
o
t
-
y
s
a
e

n
a

s
i

l

s
e
u
R
d
r
a
C
y
M

s
’

Q
A
F

s
e
l
u
R
d
r
a
C
y

M

l

?
s
e
u
R
d
r
a
C
y
M

s
i

t
a
h
W

,

p
p
a

l

s
e
u
R
d
r
a
C
y
M
e
h
t
d
a
o
n
w
o
d
u
o
y

l

r
e
t
f

A

d
n
a

s
n
o
i
t
c
i
r
t
s
e
r
d
d
a

,
s
l
o
r
t
n
o
c
d
r
a
c

t
e
s

u
o
y

s
t
e

l

.
.
.

m
o
d
e
e
r
f

e
h
t

l
e
e
f

d
r
a
c

r
u
o
y

r
e
t
n
e

n
e
h
t
d
n
a

”
r
e
s
U
w
e
N
“

t
c
e
e
s

l

.

n
o
i
t
a
r
t
s
i
g
e
r
n
g
e
b
o
t

i

n
o
i
t
a
m
r
o
f
n

i

:

i

e
d
v
o
r
p
o
t
d
e
e
n

l
l
’

u
o
Y

k
c
a
b
e
h
t

n
o
y

l
l

a
u
s
u

(

e
d
o
C
y
t
i
r
u
c
e
S

)

d
r
a
c

r
u
o
y

f

o

e
t
a
D
n
o
i
t
a
r
i
p
x
E

r
e
b
m
u
N
d
r
a
C

•

•

•

.

d
r
o
w
s
s
a
p
d
n
a

e
m
a
n
r
e
s
u

a

e
t
a
e
r
c

l
l
’

u
o
y

,
t
x
e
N

n

i

g
o

l

n
a
c

u
o
y

,

d
e
t
a
e
r
c

s
i

t
n
u
o
c
c
a

r
u
o
y
e
c
n
O

n
o
s
t
r
e
a
d
n
a

l

s
l
o
r
t
n
o
c

f

o
e
g
n
a
r

i

e
d
w
a

t
e
s

n
a
c

:
n
a
c
u
o
y

l

,
e
p
m
a
x
e

r
o
F

.
s
d
r
a
c

r
u
o
y

l
l

a

n
o
d
e
s
a
b
s
t
i

m

i
l

i

g
n
d
n
e
p
s
n
o
i
t
c
a
s
n
a
r
t

t
e
S

•

f
f

o
r
o
n
o
d
r
a
c

r
u
o
y

n
r
u
T

•

u
o
y
n
e
h
T

.
®
e
r
o
t
S
p
p
A
e
h
t

l

r
o
™
y
a
P
e
g
o
o
G

l

m
o
r
f

p
p
a

l

s
e
u
R
d
r
a
C
y
M
e
h
t
d
a
o
n
w
o
d
t
s
u
J

l

e
g
a
n
a
M
e
m

t
e

l

l

s
e
u
R
d
r
a
C
y
M

s
e
o
D
w
o
H

s
d
r
a
C
y
M

.
s
t
r
e
a

l

n
o
i
t
c
a
s
n
a
r
t

i

e
v
e
c
e
r

.

n
e
e
r
c
s

”
s
l
i

a
t
e
D
d
r
a
C
“
e
h
t

s
s
e
c
c
a
d
n
a

,
t
n
u
o
m
a

r
a

l
l

o
d
g
n
d
u
c
n

l

i

i

,
s
e
c
n
e
r
e
f
e
r
p
r
u
o
y

:

n
a
c

u
o
y

n
e
e
r
c
s

s
i
h
t

m
o
r
F

e
p
y
t

t
n
a
h
c
r
e
m
d
n
a

e
p
y
t

n
o
i
t
c
a
s
n
a
r
t

D
L
E
I
F
G
N
I
R
P
S

R
E
T
A
E
R
G

N
O
I
N
U

T
I
D
E
R
C

g
r
o
.
u
c
s
r
g
w
w
w

.

D
L
E
I
F
G
N
I
R
P
S

R
E
T
A
E
R
G

N
O
I
N
U

T
I
D
E
R
C

e
c
fi
f
O
n
a
M

i

d
a
o
R
m
a
h
a
r
b

l
i

W
0
3
0
1

9
0
1
1
0
A
M

,

l

d
e
fi
g
n
i
r
p
S

1
6
1
3
-
2
8
7

)

3
1
4

(

2
4
1
0
-
3
8
7

)

3
1
4

(

:
x
a
F

w
o
d
a
e
m
g
n
o
L

t
s
a
E

d
a
o
R

r
e
k
a
h
S

7
5
1

8
2
0
1
0

A
M

,

w
o
d
a
e
m
g
n
o
L

t
s
a
E

1
6
1
3
-
2
8
7

)

3
1
4

(

3
5
3
4
-
5
2
5

)

3
1
4

(

:
x
a
F

e
r
o
m
d
n
a

s
n
o
i
t
c
a
s
n
a
r
t

t
n
e
c
e
r

w
e
V

i

f
f

o
/
n
o
s
l
o
r
t
n
o
c
d
r
a
c

n
r
u
T

s
l
o
r
t
n
o
c

t
e
S

s
e
c
n
e
r
e
f
e
r
p
t
r
e
a

l

e
g
a
n
a
M

•

•

•

•

e

l
i

b
o
m

r
u
o
y
n
o
d
e
s
a
b
e
g
a
s
u

t
c
i
r
t
s
e
r

r
o
d
e
s
u

e
b
n
a
c
d
r
a
c

e
h
t

e
r
e
h
w
n
o
g
e
r

i

i

c
fi
c
e
p
s

a

t
e
S

•

n
o
i
t
a
c
o

l

i

s
’
e
c
v
e
d

s
i

n
o
i
t
c
a
s
n
a
r
t

a

n
e
h
w
e
k

i
l

,
s
n
o
i
t
c
a
s
n
a
r
t

f

o
s
e
p
y
t
n
a
t
r
e
c

i

n
o
s
t
r
e
a

l

t
n
a
t
s
n

i

t
e
G

•

d
e
n

i
l

c
e
d

g
n
i
r
o
t
i
n
o
m
d
n
a

s
l
o
r
t
n
o
c

l

a
t
n
e
r
a
p
t
e
S

•

r
e
h
t
o
y
n
a

e
k

i
l

t
s
u

j

p
u
w
o
h
s

l
l
i

w
s
t
r
e
A

l

i

.
e
c
v
e
d
e

l
i

b
o
m

r
u
o
y

n
o
t
e
g
u
o
y

s
n
o
i
t
a
c
fi
i
t
o
n

?
s
d
r
a
C
y
M
e
g
a
n
a
M
o
t

y
a
W

r
e
t
t
e
B
a

t
i

s
i

y
h
W

s
n
o
i
t
c
a
s
n
a
r
t
d
r
a
c

r
u
o
y

e
g
a
n
a
m
n
a
c

u
o
y

e
s
u
a
c
e
B

i

.
e
c
v
e
d
e

l
i

b
o
m

r
u
o
y
m
o
r
f

t
h
g
i
r

l

,
e
c
a
p
e
n
o
n

i

l
l

a

e
r
e
h
w

,
n
e
h
w

,

w
o
h

f

o

l

o
r
t
n
o
c

l

e
t
e
p
m
o
c

e
v
a
h

u
o
Y

.
s
d
r
a
c

r
u
o
y

s
e
s
u
O
H
W
d
n
a
—

s
n
o
i
t
c
i
r
t
s
e
r

,
s
e
u
r

l

t
e
s

e
v
’
u
o
y

t
a
h
t
g
n
w
o
n
k

i

,
s
u
P

l

i

g
n
d
n
e
p
s

i

c
fi
c
e
p
s

r
u
o
y

t
e
e
m

t
a
h
t

l

s
t
r
e
a
d
n
a

u
o
y

i

s
e
v
g
d
n
a

,
n
o
i
t
n
e
v
e
r
p
d
n
a

n
o
i
t
c
e
t
e
d

.

d
n
m

i

f

o
e
c
a
e
p
d
e
d
d
a

?
e
r
u
c
e
s

t
i

s
I

d
u
a
r
f

f

o
r
e
y
a

l

r
e
h
t
o
n
a

s
d
d
a

s
e
c
n
e
r
e
f
e
r
p

Y
T
I
N
U
T
R
O
P
P
O
L
A
U
Q
E

R
E
D
N
E
L

A
U
C
N
y
b

d
e
r
u
s
n

I

y
l
l

a
r
e
d
e
F

s
i

l

s
e
u
R
d
r
a
C
y
M
h
t
i

w
s
d
r
a
c

r
u
o
y
g
n
g
a
n
a
m

i

,
s
e
Y

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Apply for a Credit Card
To apply for a Greater Springfield CU Visa® Credit Card, visit www.grscu.org, 
call (413) 782-3161, or stop by any of our office locations. After approval, 
your card is mailed within 10 business days.

•  Low fixed rate

  •  No annual fee

•  Rewards points

  •  Convenience to make purchases worldwide.

•  Flexibility to make purchases in person, over the phone, or on the    

Internet. Plus obtain a cash advance when you need it.

Layers of Protection
Loan Protect
This optional coverage helps to protect your credit and reduce financial 
pressure in the event of death or disability.*

*Exclusions apply. Ask for details.

3-D Secure
3-D Secure offers additional fraud protection by analyzing the merchant’s 
contextual data and then prompting consumers to verify their identity only 
on high risk transactions.

Lost or Stolen Card Reporting
Enjoy peace of mind knowing that if your Visa card is ever lost or stolen, 
assistance is a phone call away. Please call 800-682-6075 for 24/7, 365 days 
a year assistance or go to www.reportmycards.com.

Take Full Control of Your Cards
With MyCardRules,™ you decide when, where and who uses your cards.

Manage Your Card Spending Right From Your Mobile Device
Turn your cards on or off, set spending limits and get alerts. All with a few quick taps

*********

LOGIN

Rewards
•   1% cash back on all transactions 
which is deposited to a share 
account on June 1 and December 1.

 
 
 
 
 
Visa Credit Card Application
Check the appropriate box to indicate the type of credit for which you are applying.   

A table that includes the APRs and other required cost disclosures for credit card applications is on the reverse side of this application.

Individual credit     Visa Classic    

Joint credit     Visa Rewards     Shared Secured

 Debt Protection   Yes    No   See below signature and disclosure

Credit limit requested: $ _____________________     Number of cards desired?    1    2

 APPLICANT Name 

 Street   

 City, State, Zip  

 Gross Annual Income $ 

Net Monthly Pay $ 

Email Address 

CO-APPLICANT NAME 

AUTHORIZED USER NAME 

Date of Birth 

Mother’s Maiden Name

Previous Business Address 

Title/Rank/Grade 

Start Date/End Date

CHECK ONE

 Street   

 City, State, Zip  

 Gross Annual Income $ 

Net Monthly Pay $ 

Email Address 

Date of Birth 

Mother’s Maiden Name

Social Security Number                      

Driver’s License Number and State

Home Phone 

Number of Dependents         Ages     

Are you self employed?   
❑ Yes   ❑ No  (Must provide 2 years of tax returns)
Title/Rank/Grade 

Start Date  

Social Security Number                      

Driver’s License Number and State

Home Phone 

Number of Dependents         Ages     

Are you self employed?   
❑ Yes   ❑ No  (Must provide 2 years of tax returns)
 Title/Rank/Grade 

Start Date  

Business Phone Number 

Business Address 

 Business Phone Number 

 Business Address 

 Current Employer 

 Type of Business  

 Previous Employer 

 Current Employer 

 Type of Business  

 Previous Employer 

Previous Business Address 

Title/Rank/Grade 

Start Date/End Date

LIST ALL DEBTS. Attach other sheets if necessary.                                             NOTE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

Owed to 

Address  

                                                    Account No.              Present Balance            Monthly Payments             Amount Past Due

Debts 

Mortgage or Rent

Child Support, 
Alimony or 
Maintenance

FINANCIAL REFERENCES 
Share Draft or Checking Account Number / Amount              Name and address of depository 

Savings Account Number / Amount                                      Name and address of depository   

Phone

Phone

The credit union is relying on what you stated in this application, and you acknowledge that everything you have stated is true and correct and that you have provided a COMPLETE listing of all your debts and obligations. You authorize the Credit 
Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application 
and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you.    

Applicant Signature 
X

                           Date 

Co-Applicant Signature 
X

                           Date

This Contract is voluntary and not required to obtain credit. We will not consider whether or not You elect protection in making a credit decision.

YOU ELECT THE  
FOLLOWING OPTION: 

(check only one box)

Life & Disability 

· Life  
· Disability 

Program Fee:  
Cost per $100 of the Monthly 
Outstanding Loan Balance*

Single 
$0.189 

Disability 

· Disability 

Single 
$0.12 

Life 

· Life

No Protection

  Single 
  $0.069 

Joint
$0.11

For the Option elected above, You choose (check only one box):     
This Contract protects the Borrower(s) listed above who elected protection. 
The protected Borrower(s) may not qualify for all benefits.

 Joint Protection         

Single Protection for Borrower 1         

Single Protection for Borrower 2

NOTICES:  *If the Outstanding Balance is greater than $50,000, the rate will not be applied to the amount that exceeds $50,000.

The Contract contains certain terms, conditions and exclusions. Subject to those terms, conditions and exclusions, You are eligible for protection under this Contract if You are a Borrower on the 
Loan on the Effective Date of Protection and meet the eligibility requirements below. 

ELIGIBILITY QUESTIONS:  If electing Disability, You must answer Question 1.

1. Are You working twenty-five (25) hours or more per week?      Borrower 1   

Yes     No        Borrower 2   

Yes     No

If at least one Borrower answered “Yes” to Question 1, both Borrowers are eligible for Disability.

We will give You additional information before You are required to pay for Greater Springfield Credit Union Payment Protection. This information will include a copy of the Contract containing the terms of Greater Springfield Credit Union 
Payment Protection. There are eligibility requirements, conditions and exclusions that could prevent You from receiving benefits under Greater Springfield Credit Union Payment Protection. You should carefully read the Contract for a full 
explanation of the terms of Greater Springfield Credit Union Payment Protection. You may terminate protection on Your account(s) at any time by providing Us with written notice at least five (5) business days prior to the requested termination 
date. If You do so within (30) days of purchasing protection, We will credit Your Outstanding Balance for any fees charged for the protected account(s).

Your signature or authentication below means: (a) that You meet the eligibility requirements show above; (b) that Your election above will remain in effect, according to the terms of the Contract, unless subsequently modified; (c) that You 
agree to the Contract; (d) that You agree to pay for and let Us add the Program Fee to Your Loan balance each month, and may be subject to finance charges like the rest of Your Outstanding Balance; (e) that the fee You are charged for this 
protection is subject to change; and (f) if the “No Protection” checkbox is marked or if no checkbox is marked in the Options section, You do not have protection.

Borrower 1 Signature 
X

                           Date 

Borrower 2 Signature 
X

                           Date

RETURN THIS APPLICATION TO GREATER SPRINGFIELD CREDIT UNION