Credit Card Disclosure

VISA® SCORE — APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 9.40% to 17.99%, based on your creditworthiness
APR for Balance Transfers 9.40% to 17.99%, based on your creditworthiness
APR for Cash Advances 9.40% to 17.99%, based on your creditworthiness
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you an 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.

Fees

Set-up and Maintenance Fees
Annual Fee None
Additional Card Fee None
Application Fee None
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Transaction Fee for Purchases None
Penalty Fees
Late Payment Fee Up to $25.00
Over-the-Credit Limit Fee None
Returned Payment Fee 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 July 19, 2021.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Score is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

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

Document Copy Fee:
$5.00 per document.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00 per document.

 

Click Here To Read Our Consumer Credit Card Agreement & Disclosure

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