VISA Rates

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APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Visa Classic

10.90%, 12.90%, 14.90%, 15.90%, 16.90%, or 17.90%
when you open your account, based on your creditworthiness.

Visa Secured
8.90%
APR for Cash Advances Visa Classic

10.90%, 12.90%, 14.90%, 15.90%, 16.90%, or 17.90%
when you open your account, based on your creditworthiness.

Visa Secured
8.90%
APR for Balance Transfers Visa Classic

10.90%, 12.90%, 14.90%, 15.90%, 16.90%, or 17.90%
when you open your account, based on your creditworthiness.

Visa Secured
8.90%
Penalty APR and When it Applies

Visa Classic
17.90%

Visa Secured
17.90%

This APR may be applied to the entire balance on your account if you:
    - Make a late payment

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Finance Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
- Annual Fee

None
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

None
None
None
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $10.00
Up to $25.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date.
The information about the costs of the card described in this application is accurate as of December 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES
Late Payment Fee         $10.00 of amount or the amount of the required minimum payment, whichever is less, if you are four (4) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $10.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee         $25.00 or the amount of the required minimum payment, whichever is less.
Emergency Card Replacement Fee         $50.00
PIN Replacement Fee         $1.00

How do I tell what rate I qualify for?

When you apply for a credit card we consider credit score, debt ratio, employment and other factors in order to approve you. Once you are approved, the rate you receive is based on credit score. Six credit tiers are available, for the following credit ranges: 730+, 729-670, 669-640, 639-610, 609-580, and 579-549. The higher your score, the lower the rate you will qualify for.

What about cash advances and balance transfers?

There is no fee for a cash advance* or balance transfer, and your rate is the same as your rate for purchases. Your cash advance or balance transfer starts accruing interest right away, we begin charging interest on cash advances and balance transfers on the transaction date.

The rates and application form above shows the range of available rates. Once we receive and process your application, we will be able to determine the rate for which you qualify. All loans on approved credit. Rates and terms subject to change, accurate as of April 1, 2015.

Share Secured Visas: The rate on your share secured visa is not based on credit worthiness. Your credit line is equal to a deposit on hold at the credit union. Share secured cards are a good way to build/rebuild credit.

*Please note, there is a payment/deposit by phone fee.

Visa Credit Card Agreement

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