Platinum	
Visa®	Card	

CURewards	
Visa®	Card	

Cash	Rewards	
Visa®	Card	

Secured	
Visa®	Card	

Interest	Rates	and	Interest	Charges	

Annual	Percentage	Rate	
(APR)	for	Purchases	and	
Cash	Advances	

8.15%	-	18.00%	
This	 APR	will	vary	 with	
the	market	based	on	
the	Prime	Rate.	

10.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

10.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

APR	for	 Balance	Transfers	

5.00%	-	7.00%1		
This	special	APR	promotion	
if	processed	in	first	30	days	
of	opening.	
8.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

10.15%	-	18.00%	This	
APR	will	vary	with	the	market	
based	on	the	Prime	Rate.	

10.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

16.90%	
This	is	a	fixed	 rate.	

16.90%	
This	is	a	fixed	 rate.	

APR	for	 Cash	Advances	

8.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

10.15%	-	18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

10.15%	-	 18.00%	
This	APR	will	vary	with	the	
market	based	on	the	Prime	
Rate.	

16.90%	
This	is	a	fixed	rate.	

18.00%	
This	 APR	may	be	applied	to	your	account	if	your	account	 is	delinquent	 60	or	more	 days.	
How	Long	Will	the	 Penalty	APR	Apply?		The	increased	 annual	 percentage		 rate,	fee,	or	 charge	 will	 cease	to	apply	if	the	
Credit	 Union	 receives	six	consecutive		 required		 minimum			periodic		 payments	 on	 or	 before	 the	 payment		 due	 date	
beginning	 with	 the	first	payment	due	following	 the	effective	date	of	the	increase.	
We	will	begin	charging	interest	on	cash	advances	and	balance	transfers	on	the	transaction	date.	Your	due	date	is	at	least	
25	days	after	the	close	of	each	billing	cycle.	We	will	not	charge	you	interest	on	purchases	if	you	pay	your	entire	balance	by	
the	due	date	each	month.	

None	

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.	

Penalty	APR	and	
When	it	Applies	

How	to	Avoid	Paying	
Interest	on	Purchases	

Minimum	Interest	
Charge	
For	Credit	 Card	Tips	
from	the	Consumer	
Financial	Protection	
Bureau	
Fees	

Annual	 Fee	

None	

Transaction	Fees	

Balance	Transfer	

2%	of	the	amount	 of	the	transaction	with	 a	minimum	 of	$10.00	and	a	maximum		of	$75.00	

Cash	Advance	

2%	of	the	amount	 of	the	transaction	with	 a	minimum	 of	$10.00	and	a	maximum		of	$75.00	

Foreign	Transaction	

1%	of	each	transaction	in	U.S.	dollars	

Penalty	Fees	

Late	Payment	

Up	to	$25.00	

Over-the-Credit-Limit	

None	

Returned	Payment	

Up	to	$25.00	

1	To	qualify	for	special	balance	transfer	promotion,	balance	transfers	from	other	creditors	must	post	to	your	account	within	the	first	30	days	of	account	
opening.	The	special	promotion	is	a	“life	of	the	balance”	promotion,	meaning	the	promo	rate	will	remain	until	the	balance	is	paid	in	full.			

How	We	Will	 Calculate	Your	Balance:	We	use	a	method	called	“average	daily	balance	(including	new	purchases).”	

Application	and	Solicitation	Effective	 January	1,	2016