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VISA Unsecured Disclosures

Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99% VISA Platinum, 15.99% VISA Classic
when you open your account, based on your creditworthiness.
APR for Cash Advances 15.99% VISA Platinum, 16.99% VISA Classic
when you open your account, based on your creditworthiness.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Transaction Fees
Foreign Transaction Fee None
Penalty Fees

Late Payment Fee
A late charge of $29.00 will be charged if payment is past due more than 10 days.
Exceeding the Credit Limit A fee of $29.00 will be charged each billing cycle your credit limit is exceeded.
Returned Payment Fee A fee of $29.00 will be charged for returned payments.

How We Will Calculate Your Balance

We use a method called "average daily balance (including new purchases)." 

Effective Date

The information about the costs of the card described in this application is accurate as of August 1, 2019.

This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Statement Copy Fee $ 15.00
Document Copy Fee $ 15.00
Rush Fee $ 25.00
PIN Replacement Fee $ 5.00
Card Replacement Fee $10.00

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