Bellco Credit Union    
Account Disclosure  
Visa� Platinum Credit Card  
Interest Rates and Interest Charges  
Annual Percentage Rate  
(APR) for Purchases  0% Introductory APR for the first six months on purchases.  After that, the Standard APR 
will range from 9.50 % to 21% based on creditworthiness.  
This APR will vary with the  market based on the Prime Rate.  
APR for Balance  Transfers   1.99%  Introductory APR for the first 12 months on any balance transfers that occur within 
the first 90 days of account opening.  After that, the Standard APR will be 21%. 
APR for Cash Advances  21%  
Penalty APR  None  
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 purchase s if you pay your entire balance by the due date each month.  We 
will begin charging interest on cash advances or balance transfers on the transaction date . 
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 of the Consumer Financial Protection Bureau at  
http://www.consumerfinance.gov/learnmore . 
Fees  
Annual Fee  
 None  
Transaction Fees  
� Balance Transfer  
 
� Cash Advance  
 
� Foreign Transaction   
$0 fee on transfers made within 90 days of account opening, After that, either  $10 or 4% of 
the amount of each balance transfer, whichever is greater (maximum fee: $75)  
Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee 
$75) 
Up to  1% of each transaction in U.S. dollars.  
Penalty Fees  
� Late Payment  
� Returned Payment  
� Over the Limit Fee   
The lesser of minimum payment due or $25. 
$10.  
None  
How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).�   See 
your account agreement for more details.  
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request . 
Loss of Introductory APR: We may end your I ntroductory APR and apply t he Standard APR for purchases or balance transfers 
if you make a late payment.  
Periodic Rates : After any Introductory Rate period, or if an Introductory  rate does not apply to your Account,  the periodic rate 
for purchases  will range from 0.0260% per day  to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE 
ranging from 9.50 % to 21% .  The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage 
rate of 21%.  Balance transfers will be considered a cash advance a nd will accrue interest like a cash advance.  Balance transfers 
will be referred to as cash advance for purposes of this disclosure.  
Effective Date : This disclosure is effective as of April 1, 2020 and is subject to change after date listed.  
Billing Rights :  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.