Interest Rates and Interest Charges

IMPORTANT DISCLOSURES

Visa

Visa Rewards

Dinero Visa

Savings 
Secured 
Visa

Annual Percentage 
Rate (APR) for 
Purchases

Your APR will be 
9.90% to 14.90% based 
on your creditworthiness.

Your APR will be 
12.90% to 17.90% 
based on your creditworthiness.

9.90% 16.90%

0.00% for six months of each balance transfer

APR for Balance 
Transfers

After that, your APR will be 
9.90% to 14.90%, based on 
your creditworthiness.

After that, your APR will be 
12.90% to 17.90%, based on your 
creditworthiness.

9.90%

16.90%

APR for Cash 
Advances

9.90% to 14.90%, based on 
your creditworthiness.

12.90% to 17.90%, based on your 
creditworthiness.

9.90%

16.90%

12.90% to 17.90%, based on your 
9.90% to 14.90%, based on 
creditworthiness.
your creditworthiness.
This APR may be applied to your Account during the 
Introductory APR period for purchases if you:
Make a late payment
How Long Will the Penalty APR Apply? If your 
Introductory APR is increased for this reason, the Penalty APR will apply 
until you make six consecutive payments when due.
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. 

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

None

Either $2 of 3% of the amount of each cash advance, whichever is greater. 
3% of the amount of each transfer.
Up to 1% of each transaction in U.S. dollar.

Penalty APR and When 
it Applies

How to Avoid Paying 
Interest on Purchases
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees
Annual Fee
Transactions Fees
•	 Cash Advance
•	 Balance Transfer
•	 Foreign Transaction

Penalty Fees

•	 Late Payments
•	 Returned Payment

Up to $25
Up to $25

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

The information about the costs of the cards described in this application is accurate as of Feburary 1, 2013. This information may have 
changed	after	that	date.	To	find	out	what	may	have	changed,	write	to	us	at	Advancial	Federal	Credit	Union,	Access	Services	Department,	
1845	Woodall	Rogers	Fwy,	Suite	1300,	Dallas,	TX	75201	or	call	us	at	800.322.2709.