MasterCard® and VISA® Fair Credit and Charge Card Disclosure

   
ANNUAL PERCENTAGE
RATE (APR*) for Purchases

Platinum MasterCard
7.75% to 15.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Share Secured
8.75% This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Rewards
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Platinum MasterCard
7.75% to 15.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Share Secured
8.75% This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Rewards
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Platinum MasterCard
7.75% to 15.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Share Secured
8.75% This APR will vary with the market based on the Prime Rate.

Platinum MasterCard Rewards
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum
8.75% to 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Platinum MasterCard
18.00%
Platinum MasterCard Share Secured
18.00%
Platinum MasterCard Rewards
18.00%
Visa Platinum
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your monthly statement.

Minimum Interest Charge None
How to Avoid Paying Interest on Purchases Your due date is at least 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, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
FEES

Set-up and Maintenance Fees

- Annual Fee

- Account Set-up Fee

 

None

None

Transaction Fees

- Balance Transfer Fee

- Cash Advance Fee

- Foreign Transaction Fee

- Transaction Fee for Purchases

 

None

None

1.00% of each transaction in U.S. dollars

None

Penalty Fees

- Late Payment Fee

- Over-the-Credit Limit Fee

- Returned Payment Fee

 

Up to $25

None

Up to $25

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date.
The information about the costs of the card described in this application is accurate as of May 1, 2012 . This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $3.00 per statement
Rush Fee $20.00
Card Replacement Fee $5
Pay-by-Phone Fee $5