ADDENDUM TO CLASSIC VISA® CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING
DISCLOSURE STATEMENT
Retain for your records

Interest Rates &
Interest Charges

Classic

Annual Percentage Rate
(APR) for Purchases

0.00% introductory APR for six months.
After that, my APR will be 13.99%
APR for Cash Advances 0.00% introductory APR for six months.
After that, my APR will be 13.99%
APR for Balance Transfers 0.00% introductory APR for six months.
After that, my APR will be 13.99%

Penalty APR and When it 
Applies

Paying Interest

17.90%

This APR may be applied to my account if I:
  1) Make a late payment, or
  2) Make a payment that is returned.
How Long Will the Penalty APR Apply? If my APR is 
increased for any of these reasons, the Penalty APR will apply 
until I make six consecutive minimum payments when due.

My due date is at least 25 days after the close of each billing 
cycle. You will not charge me interest on purchases or balance 
transfers if I pay my entire balance by the due date each month. 
You will begin charging interest on cash advances on the 
transaction date.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors 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
Transaction Fees

• Balance Transfers
• Cash Advance

Fees

None

None
Either $2.00 or 2% of the amount of cash advance, whichever is 
greater (maximum fee: $25.00).

• Foreign Transactions

1.0% of each foreign transaction in non-U.S. currency
0.8% of each foreign transaction in U.S. dollars

Penalty Fees

• Late Payment
• Returned Payment

$15.00
$25.00

How You Will Calculate My Balance: You will use a method called “average daily balance 
(including new purchases).” I must see my account agreement for more details.
Loss of Introductory APR: You may end my introductory APR and apply the Penalty APR 
if I make a late payment.
Billing Rights: Information on my rights to dispute transactions and how to exercise those 
rights is provided in my account agreement.

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ADDENDUM TO CLASSIC VISA® CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING
DISCLOSURE STATEMENT
Retain for your records

As of June 1, 2014, the non-variable Monthly Periodic Rate for purchases, balance 

transfers, and cash advances in effect for your Classic VISA® Credit Card is 1.1658% 
with a corresponding ANNUAL PERCENTAGE RATE of 13.99%.
NOTE: Recently opened Classic VISA® Credit Card Accounts continue to be subject to 
the introductory Monthly Periodic Rate of 0.00% with a corresponding ANNUAL 
PERCENTAGE  RATE  of 0.00%  as  disclosed  in  the  Classic  VISA®  Credit  Card 
Account Agreement and Federal Disclosure Statement during the first six (6) monthly 

billing cycles after the account is established. Thereafter, the ANNUAL PERCENTAGE  

RATE will convert to the non-variable rate disclosed above.

LOS ANGELES POLICE FEDERAL CREDIT UNION
SCHEDULE OF FEES
EFFECTIVE JUNE 1, 2014
CLASSIC VISA® CREDIT CARD ACCOUNTS

Annual Fee...............................................................................................................................None
Late Payment Fee .................................................................................................................$15.00
CLASSIC VISA® Credit Card Loan Check stop payment (per item) ..........................................$20.00
CLASSIC VISA® Credit Card Returned Payment Fee (per item) ...............................................$25.00
CLASSIC VISA® Credit Card Statement copy (per copy) ...........................................................$5.00
Thank you for being partners in a proud traditionsm.

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