| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum
7.50% to 16.75% when you open your account, based on your creditworthiness.
Visa Platinum Edge
8.50% to 17.75% when you open your account, based on your creditworthiness. |
| APR for Cash Advances |
Visa Platinum
7.50% to 16.75% when you open your account, based on your creditworthiness.
Visa Platinum Edge
8.50% to 17.75% when you open your account, based on your creditworthiness. |
| APR for Balance Transfers |
Visa Platinum
7.50% to 16.75% when you open your account, based on your creditworthiness.
Visa Platinum Edge
8.50% to 17.75% when you open your account, based on your creditworthiness. |
| Penalty APR and When it Applies |
Visa Platinum
None |
| Minimum Interest Charge |
None |
| 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
www.federalreserve.gov/creditcard. |
| Fees |
Annual Fee
- Annual Fee - Visa Platinum
- Annual Fee - Visa Platinum Edge |
None
None |
Transaction Fees
- Foreign Transaction Fee
- Transaction Fee for Purchases
|
Actual Cost
Actual Cost |
Penalty Fees
- Late Payment Fee
- Returned Payment Fee |
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).”
Effective Date.
The information about the costs of the card described in this application is accurate as of October 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
|
| OTHER DISCLOSURES |
| Late Payment Fee |
$25.00 or the amount of the required minimum payment, whichever is less, if you are 0 or more days late in making a payment. |
| Returned Payment Fee |
$25.00 or the amount of the required minimum payment, whichever is less. |
| Rush Fee |
Actual Cost |
