VISA CREDIT CARD RATES AND TERMS 
Effective December 18, 2012 and subject to change. 

Card Details 

Annual Percentage Rate (APR) 
for Purchases: 

NON-VARIABLE INTEREST RATES AND INTEREST CHARGES 

Visa® Platinum Card1 

9.99% - 19.99%, based on creditworthiness. 

APR For Balance Transfers: 

13.99% - 23.99%, based on creditworthiness. 

APR For Cash Advances: 

13.99% - 23.99%, based on creditworthiness. 

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 if you pay your entire balance by the due date each month. We begin charging interest on balance 
transfers and cash advances on the transaction date. 

For Credit Card Tips From The 
Consumer Financial Protection 
Bureau: 
1This non-variable APR is a set rate and is not determined by an index; however, this APR is not guaranteed. Non-variable rates are intended to be stable, but can be changed 
based on market conditions or other reasons. You will be notified prior to any such change. 

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. 

SHARE SECURED FIXED INTEREST RATES AND INTEREST CHARGES 

Card Details 

APR For Purchases: 

APR For Balance Transfers: 

APR For Cash Advances: 

Paying Interest: 

For Credit Card Tips From The 
Consumer Financial Protection 
Bureau: 

Share Secured Visa Classic Card2 

15.00%, based on creditworthiness. 
15.00%, based on creditworthiness. 

15.00%, based on creditworthiness. 

Your due date is at least 25 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. We begin charging interest on balance 
transfers and cash advances on the transaction date. 

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. 

2Funds in a share account equal to 120% of the approved credit limit are held as security for Share Secured Visa Classic Credit Cards.  

Annual Fee 

Visa Platinum: 

None 

Share Secured Visa Classic: 

$20 

FEES 

Transaction Fees 

Balance Transfer(s): 

2% of the amount of the advance ($1 min). 
The limit for combined cash advances/balance transfers is 30% of approved credit limit, max $10,000. 

Cash Advance(s): 

2% of the amount of the advance ($1 min). 
The limit for combined cash advances/balance transfers is 30% of approved credit limit, max $10,000. 

Foreign Transaction(s): 

International Service Assessment Fee: 2% of the amount of the purchase or cash advance (international transaction). 

Penalty Fee 

Late Payment Fee: 

$10 if your minimum monthly payment is late more than 10 days. 

Returned Payment Fee: 

$20 each. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions). Refer to your account agreement for details. 
Billing Rights: Information about your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

REV. 12.18.12