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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 August 1, 2018.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Classic and Classic Score and Platinum and Platinum Score 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 and federal law, and (d) collateral securing other loans you have 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:
$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.

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