|
Annual
Percentage Rate (APR) for Purchases |
| Visa Classic |
| 15.50% |
| Visa Gold |
| 9.90% to 10.90% |
| when you open your account, based on your creditworthiness. |
|
|
APR for Cash Advances |
| Visa Classic |
| 15.50% |
| Visa Gold |
| 9.90% to 10.90% |
| when you open your account, based on your creditworthiness. |
|
|
APR for Balance Transfers |
|
Visa Classic |
| 15.50% |
| Visa Gold |
| 9.90% to 10.90% |
| when you open your account, based on your creditworthiness. |
|
|
Penalty APR and When it Applies |
| Visa Classic |
| None |
| Visa Gold |
| None |
|
| Minimum Interest Charge |
None |
| How to Avoid Paying Interest on Purchases |
Your due date is at lease 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, bisit the Web site fo the
Federal Reserce Board at http://www.federalreserve.gov/creditcard |
| FEES |
Set-up and Maintenance Fees
- Annual Fee - Visa Classic
- Annual Fee -Visa Gold
- Account Set-up/Application Fee
- Program Fee
- Participation Fee
- Account Maintenance Fee on Closed Accounts
- Card Replacement Fee
- PIN Replacement Fee
- Unreturned Card Fee
|
None
None
None
None
None
None
None
None
None
|
|
Transaction Fees
- Balance Transfer
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
|
None
None
1.00% of each multiple currency
transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
None |
|
Penalty Fees
- Late Payment Fee- Visa Classic
- Late Payment Fee- Visa Gold
- Over-the-Credit-Limit Fee
- Returned Payment Fee
|
$10.00
if you are ten(10) or more days late
$5.00 if you are ten(10) or
more days late
None
None |
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 is
accurate as of December 16, 2009.
This information may have
changed after that date. To find out what may have changed,
contact the Credit Union.
OTHER DISCLOSURES
Other Fees
| Statement Copy Fee |
$3.50 per copy |
| Rush Fee |
None |
| Emergency Card Replacement Fee |
None |
|
