Elements Financial Credit Card Disclosures Important Credit Card Disclosures for Elements Financial Cash Rewards Visa, Platinum Visa, and Signature Rewards Visa credit cards. The following disclosure represents important details concerning your Elements Financial Visa Cash Rewards, Visa Platinum, or Visa Signature credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES  Cash Rewards Visa Platinum Visa Signature Rewards Visa Annual Percentage Rate (APR) for Purchases and Balance Transfers 0% Introductory APR for six months. After that, your standard APR will be 12.99%. This APR will vary with the market based on the Prime Rate. 0% Introductory APR for six months. After that, your standard APR will be 8.99%. This APR will vary with the market based on the Prime Rate. 0% Introductory APR for six months. After that, your standard APR will be 10.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% This APR will vary with the market based on the Prime Rate. 15.99% This APR will vary with the market based on the Prime Rate. 15.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. Minimum Interest Charge None 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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore                    
    FEES  Cash Rewards Visa Platinum Visa Signature Rewards Visa Fees to Open or Maintain Your Account Annual Fee: None Application Fee: None Transaction Fees Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: 1.0% of each transaction in U.S. dollars. Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: 1.0% of each transaction in U.S. dollars. Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. 
Penalty Fees Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. Late Payment: None  Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.                    
    Important Credit Card Disclosures for Indianapolis Indians Signature Rewards Visa or Indianapolis Indians Rewards Visa credit cards. The following disclosure represents important details concerning your Indianapolis Indians Signature Rewards Visa or Indianapolis Indians Rewards credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES  Indianapolis Indians Signature Rewards Visa Indianapolis Indians Rewards Visa Annual Percentage Rate (APR) for Purchases and Balance Transfers 0% Introductory APR for six months. After that, your standard APR will be 10.99%. This APR will vary with the market based on the Prime Rate. 0% Introductory APR for six months. After that, your standard APR will be 12.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% This APR will vary with the market based on the Prime Rate. 15.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. Minimum Interest Charge None 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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore                        
    FEES  Indianapolis Indians Signature Rewards Visa Indianapolis Indians Rewards Visa Fees to Open or Maintain Your Account Annual Fee: None Application Fee: None Transaction Fees Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: None Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: 1.0% of each transaction in U.S. dollars. Penalty Fees Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.                      
    Important Credit Card Disclosures for Butler University Rewards Visa credit card. The following disclosure represents important details concerning your Butler University Rewards Visa credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES  Butler University Rewards Visa Annual Percentage Rate (APR) for Purchases and Balance Transfers 0% Introductory APR for six months. After that, your standard APR will be 12.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. Minimum Interest Charge None 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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore  FEES Fees to Open or Maintain Your Account Annual Fee: None Application Fee: None Transaction Fees Balance Transfer: None Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: None Penalty Fees Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.          
    Important Credit Card Disclosures for Riley Children�s Foundation Visa credit card. The following disclosure represents important details concerning your Riley Children�s Foundation Visa credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES  Riley Children�s Foundation Visa Annual Percentage Rate (APR) for Purchases and Balance Transfers 0% Introductory APR for six months. After that, your standard APR will be 8.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 8.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. Minimum Interest Charge None 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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore  FEES Fees to Open or Maintain Your Account Annual Fee: None Application Fee: None Transaction Fees Balance Transfer: Up to 1% for each Cash Advance or a minimum of $5.00. Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: 1.0% of each transaction in U.S. dollars. Penalty Fees Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.          
    Important Credit Card Disclosures for Elements Financial Secured Visa credit card. The following disclosure represents important details concerning your Elements Financial Secured Visa credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES  Elements Financial Secured Visa Annual Percentage Rate (APR) for Purchases and Balance Transfers 12.99% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. Minimum Interest Charge None 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 for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore  FEES Fees to Open or Maintain Your Account Annual Fee: None Application Fee: None Transaction Fees Balance Transfer: Up to 1% for each Cash Advance or a minimum of $5.00. Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. International Transaction: 1.0% of each transaction in U.S. dollars. Penalty Fees Late Payment: Up to $25.00 if your payment is late. Over the Credit Limit: None Returned Payment: Up to $25.00 if your payment is returned for any reason. An Elements Financial Savings account is a requirement of the Secured Visa Card. At least 100% of the approved credit line amount must remain on deposit in an Elements personal Savings Account (Secured Bank Account). The deposit requirement ranges from a minimum of $500 to a maximum of $5,000, based upon approved credit line amount. The Secured Visa Card is a non-rewards card. How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."