Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Signature

After that, your APR will be 17.74%, 17.99%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

13.74%, 13.99%, 15.99%, 15.99% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Signature

After that, your APR will be 17.74%, 17.99%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

13.74%, 13.99%, 15.99%, 15.99% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Signature

17.74%, 17.99%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

13.74%, 13.99%, 15.99% 15.99% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

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 Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

Transaction Fees

· Balance Transfer - Visa Signature

$10.00 or 5% of the amount of each transfer, whichever is greater.

· Balance Transfer - Throwback Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each transfer, whichever is greater.

· Cash Advance - Visa Signature

$10.00 or 5% of the amount of each cash advance, whichever is greater.

· Cash Advance - Throwback Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each cash advance, whichever is greater.

· Foreign Transaction

1% of the transaction amount in U.S. dollars.

Penalty Fees

· Late Payment

Up to $38.00

· Returned Payment

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: December 1, 2019. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Signature, Throwback Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $38.00 or the amount of the required minimum payment, whichever is less.

Balance Transfer Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each balance transfer, whichever is greater.

Balance Transfer Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each cash advance, whichever is greater.

Cash Advance Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$15.00.

Emergency Card Replacement Fee:
$50.00.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$30.00.

Statement Copy Fee:
$10.00.