VISA PLUS/VISA /VISA SECURED/VISA CASH BACK
APPLICATION AND SOLICITATION DISCLOSURE EFFECTIVE DECEMBER 1, 2024

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Plus 11.00%

This APR will vary with the market based on the Prime Rate.

 Visa 16.00%

 This APR will vary with the market based on the Prime Rate.

 Visa Secured 16.00%

 This APR will vary with the market based on the Prime Rate.

Visa Cash Back 17.99%

 This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Plus 11.00%

This APR will vary with the market based on the Prime Rate.

Visa 16.00%

This APR will vary with the market based on the Prime Rate.

 Visa Secured 16.00%

This APR will vary with the market based on the Prime Rate.

 Visa Cash Back 17.99%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Plus 11.00%

This APR will vary with the market based on the Prime Rate.

 Visa 16.00%

This APR will vary with the market based on the Prime Rate.

 Visa Secured 16.00%

This APR will vary with the market based on the Prime Rate.

 Visa Cash Back 17.99%

 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 any 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

 Set-up and Maintenance Fees

- Additional Card Fee  $25.00

Transaction Fees

- Foreign Transaction Fee 1.00% of each transaction in U.S. dollars

Penalty Fees

-  Late Payment Fee Up to $20.00

-  Returned Payment Fee Up to $15.00

 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: October 1, 2024
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, Visa Plus, Visa, Visa Secured and Visa Cash Back 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.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov

Other Fees & Disclosures:

Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Additional Card Fee:
$25.00.

Returned Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$12.00.

Document Copy Fee:
$3.00.

Emergency Card Replacement Fee:
$25.00.

Pay-by-Phone Fee:
$5.00.

PIN Replacement Fee:
$12.00.

Rush Fee:
$25.00.

Statement Copy Fee:
$3.00.