Visa Platinum Credit Card  
Account Disclosures 

2303 South Center Road 
Burton, MI  48519 
Ph 810-715-3542 • TF 800-882-6457 
Fx 810-600-2590 
www.elgacu.com 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases  

4.90% Promotional APR for transactions completed June 1, 2016 
through August 31, 2016 with a repayment period for these transactions  
until February 29, 2017. 

After that, your APR will be 9.90%. 

Annual Percentage Rate (APR) 
for Cash Advances 

9.90% 

Annual Percentage Rate (APR) 
for Balance Transfers 

0.00% Promotional APR for transactions completed June 1, 2016 
through August 31, 2016 with a repayment period for these transactions un-
til February 29, 2017. 

Penalty APR and When  
It Applies 

Paying Interest  

After that, your APR will be 9.90%. 

17.90% 
This APR may be applied to your account if you make a late payment. 
How long with the Penalty APR apply?  If your APR is increased due to a 
late payment, the Penalty APR will apply until you make six consecutive 
minimum payments when they are due. 

Your due date is at least 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you 
pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

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. 

Annual Fee 

None 

FEES 

Transaction Fees 
• Cash Advance Fee 
• Balance Transfer Fee 
• Foreign Transaction Fee 

None 
None 
Up to 1% of the US dollar amount of the foreign transaction 

Penalty Fees 
• Late Payment Fee 
• Over-the-Credit Limit Fee 
• Returned Payment Fee 

Up to $20 
None 
$20 

© 2014 Farleigh Wada Witt. All rights reserved. 

Visa Platinum Credit Card Account Disclosures • June 2015 

 
 
 
 
 
 
 
 
 
Other Fees 
• Application Fee 

None 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases).  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement. 

Additional Information  
The Monthly Periodic Rate for the Purchases, Balance Transfers, and Credit Advances APR shown above is: 9.90%. 

These Account Disclosures are part of and integrated with your VISA Credit Card Agreement with ELGA Credit Union. We 
reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effective 
as of June 1, 2016.  The Promotional rate is effective June 1, 2016 for Purchases, Cash Advances, and Balance Trans-
fers conducted between June 1, 2016 and August 31, 2016 with a repayment period for these transactions until February 
29, 2017.  Late payments will subject all balances to the Penalty APR of 17.90%.