Visa Rewards  Credit Card  
Account  Disclo sures  2303 South Center Road  
Burton, MI  48519  
Ph 810 -715-3542 � TF 800 -882-6457  
Fx 810 -600-2590  
www.elgacu.com  
  
 
� 20 21 Farleigh Wada Witt. All Rights Reserved.    Visa Rewards Acct Disclosures  � 05-05-21 
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) 
for Purchases, Balance Transfers 
and Cash Advances  14.90 %  
 
Penalty APR and  
When It Applies  17.90%  
This APR may be applied to your account if you make a late payment.  
How long with the Pen alty APR apply?   If your APR is increased due to a 
late payment, the Penalty APR will apply until you make six consecutive 
minimum payments when they are due.  
Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you 
pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date.  
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 . 
SERVICE CHARGES  
Annual Service Charge  None  
Transaction Service Charge s 
� Cash Advance  
� Balance Transfer  
� Foreign Transaction   
None  
None  
Up to  2% of the US dollar amount of the foreign transaction . 
This fee applies to any credit card transaction made at a location in a fo r-
eign country, or payable to a merchant located in a foreign country even if 
you initiate the transaction from within the United States.  
Penalty Service Charge s 
� Late Payment  
� Over -the-Credit Limit  
� Returned Payment   
Up to $25 
None  
$25 
 
Other Service Charge s: 
Replacement Card  $5 
Rush Replacement Card  $10 
Rush Delivery of Card  $30 
 
How We Will Calculate Your Balance:   We use a method called �average daily balance� (including new purchases).  
Billing Rights:   Information on your rights to dispute transactions and how to exercise tho se rights is provided in your 
Credit Card Account Agreement.  
Additional Information  
The Monthly Periodic Rate for the Purchases, Balance Transfers, and Credit Advances APR shown above is : 14.90%.  
These Account Disclosures are part of and integrated with y our VISA Credit Card Agreement with ELGA  Credit U nion. We 
reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effe ctive 
as of May 12, 2021.