_____% Introductory APR for 12months. After that, yourStandard APR will be_____% Introductory APR for 12months. After that, yourStandard APR will be_____% Introductory APR for12 months. After that, yourStandard APR will be
None____% of the amount of each cash advance or $_______, whichever is greater Hiway Visa Platinum� & Hiway Visa� Rewards: ____% of U.S. dollar transaction amount Hiway Visa Signature� Cash Rewards: NoneUp to $________ if minimum payment is not received by the payment due date.NoneUp to $________ if your payment is returned for any reason._____%, _____%, _____%, or_____% depending on yourcredit history. This APR will varywith the market based on thePrime Rate.
9009 LASER FPDF FI19163 Rev 1-2021 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.IMPORTANT VISA� CREDIT CARD DISCLOSURESThe information appearing on this Disclosure is accurate as of ________________ . This information may have changedafter that date. To find out what may have changed, visit hiway.org, call us at 651.291.1515 or 800.899.5626 or write us atHiway Credit Union�, 111 Empire Drive, St. Paul, MN 55103.
Hiway Visa Platinum�Interest Rates andInterest Charges
Annual Percentage Rate(APR) for Purchases 1.99%Hiway Visa� Rewards
Paying InterestPay full amount of the New Balance of Purchases within 25 days of your statement closing date. Wewill not charge you interest on purchases if you pay your entire new purchase balance by the duedate each month. We will begin charging interest on cash advances and balance transfers on thedate the cash advance or balance transfer is posted to your account.Hiway Visa Signature�Cash Rewards
Minimum Interest ChargeNone
For Credit Card Tips fromthe Consumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).for 12 months. After that, yourStandard APR will be_____ %, _____%,_____%, or _____%
depending on your credithistory. This APR will vary withthe market based on the PrimeRate.depending on your credithistory. This APR will vary withthe market based on the PrimeRate._____ %, _____%,_____%, or _____%for 12 months. After that, yourStandard APR will be1.99%
depending on your credithistory. This APR will varywith the market based on thePrime Rate._____%, _____%,or _____%for 12 months. After that, yourStandard APR will be1.99%
APR for Cash Advances _____ %, _____%, _____%,or _____% depending on yourcredit history. This APR willvary with the market based onthe Prime Rate._____ %, _____%, _____%,or _____% depending on yourcredit history. This APR willvary with the market based onthe Prime Rate._____%, _____%, or _____%depending on your credithistory. This APR will vary withthe market based on the PrimeRate.
APR for Balance Transfers_____ %, _____%, _____%, or_____% depending on yourcredit history. This APR will varywith the market based on thePrime Rate._____%, _____%, or _____%depending on your credithistory. This APR will vary withthe market based on the PrimeRate.
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:Document Copy: $5.00 max/itemIntroductory APR Introductory APR Introductory APR
FeesFees to Open or Maintainyour AccountTransaction FeesPenalty Fees� Balance Transfer:� Cash Advance:� Foreign Transaction:� Late Payment:� Over-the-Credit Limit:� Returned Payment:None March 15, 2021 8.15 10.15  9.65 11.74 10.71 12.7414.74 17.15 14.15  17.15 15.15
 8.15 10.15 14.74  9.65  11.74 14.15 10.71 12.74 15.15 17.15  17.151.99 1.99 1.99 8.15  10.15 14.749.65 11.74 14.15 10.71 12.74 15.1517.1517.15
   2  10.00   1 29.00 29.00