P.O. Box 23267, Washington, D.C. 20026-3267
800.491.2328  |  www.CongressionalFCU.org

VISA SIGNATURE PREMIER REWARDS, SIGNATURE CASH REWARDS AND
PLATINUM RATE SAVER APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

VISA SIGNATURE 
PREMIER REWARDS
0.00% Introductory APR for a
period of six (6) billing cycles.
After that your APR will be 13.40%
to 18.00% This APR will vary
based on your credit worthiness and
will vary with the market based on 
the prime rate.

VISA SIGNATURE 
CASH REWARDS
0.00% Introductory APR for a
period of six (6) billing cycles.
After that your APR will be 12.40%
to 18.00% This APR will vary
based on your credit worthiness and
will vary with the market based on 
the prime rate.

VISA PLATINUM 
RATE SAVER
0.00% Introductory APR for a
period of six (6) billing cycles.
After that your APR will be 8.40%
to 18.00% This APR will vary
based on your credit worthiness and
will vary with the market based on 
the prime rate.

APR for Balance Transfers

3.99% Introductory APR for a
period of twelve (12) billing cycles. 

3.99% Introductory APR for a
period of twelve (12) billing cycles. 

3.99% Introductory APR for a
period of twelve (12) billing cycles. 

APR for Cash Advances

After that your APR will be 13.40%
to 18.00%, based on your
creditworthiness. This APR will 
vary with the market based on the
Prime Rate.

After that your APR will be 12.40%
to 18.00%, based on your
creditworthiness. This APR will 
vary with the market based on the
Prime Rate.

After that your APR will be 8.40%
to 18.00%, based on your
creditworthiness. This APR will 
vary with the market based on the
Prime Rate.

13.40% to 18.00% This APR
will vary with the market based on
the prime rate.

12.40% to 18.00% This APR
will vary with the market based on
the prime rate.

8.40% to 18.00% This APR
will vary with the market based on
the prime rate.

How to Avoid Paying
Interest on Purchases

Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest
on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

Fees

Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee 
- Foreign Transaction Fee 
- Transaction Fee for Purchases

Penalty Fees
- Late Payment Fee 
- Returned Payment Fee 

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.

None

None
None
Visa Signature Premier Rewards None, Visa Signature Cash Rewards and Visa Platinum Rate Saver 2.00%
None

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance. We use a method called “average
daily balance (including new purchases).”

OTHER DISCLOSURES               
Late Payment Fee

Promotional Period for Introductory APR: The Introductory APR for
purchases and balance transfers will apply to transactions posted to your
account during the first six (6) billing cycles for purchases and twelve (12)
billing cycles for balance transfers following issuance of your card.

Effective Date.
The information about the costs of the card described in this application is
accurate as of January 19, 2016. This information may have changed after
that date. To find out what may have changed, contact the Credit Union.

Returned Payment Fee

Returned Convenience 
Check Fee
Rush Fee
Card Replacement Fee
Pay-by-Phone Fee
Stop Payment Fee

$25.00 or the amount of the required minimum
payment, whichever is less, if you are six (6) or
more days late in making a payment. 
$25.00 or the amount of the required minimum
payment, whichever is less.
$25.00 or the amount of the returned
convenience check, whichever is less.
$20.00 overnight
$10.00
$10.00
$30.00

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved