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VISA® Fair Credit and Charge Card Disclosure

ANNUAL PERCENTAGE RATE (APR*) for Purchases	VISA Platinum12.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. VISA Platinum Share Secured 12.50 This APR will vary with the market based on the Prime Rate. VISA Platinum Rewards 14.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	VISA Platinum 12.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. VISA Platinum Share Secured 12.50 This APR will vary with the market based on the Prime Rate. VISA Platinum Rewards 14.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	VISA Platinum 12.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. VISA Platinum Share Secured 12.50 This APR will vary with the market based on the Prime Rate. VISA Platinum Rewards 14.50 to 18.00 when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	VISA Platinum 18.00% VISA Platinum Share Secured 18.00% VISA Platinum Rewards 18.00% 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 any of these reasons, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your monthly statement.
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 Consumer Financial 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
Set-up and Maintenance Fees – Annual Fee – Account Set-up Fee	None None
Transaction Fees – Balance Transfer Fee – Cash Advance Fee – Transaction Fee for Purchases	3% Fee within the first 90 days anything after will be at current APR None None
Penalty Fees – Late Payment Fee – Over-the-Credit Limit Fee – Returned Payment Fee	Up to $25 None Up to $25
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 12/21/2024. 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 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Returned Payment Fee	$25 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee	$3 per statement
Rush Fee	$20
Card Replacement Fee	$5
Pay-by-Phone Fee	$7.50