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VISA Classic Account Opening Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 11.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 15.90%.
APR for Balance Transfers 11.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 15.90%.
APR for Cash Advances 11.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 15.90%.
Penalty APR and when it applies None
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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
Annual 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
Returned Payment Fee Up to $30

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first six billing cycles following the opening of your account. Any existing balances on Golden Plains Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancilary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Other Fees & Disclosures
Late Payment Fee $25 or the amount of the required minimum payment, whichever is less, if you are 3 or more days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth of this disclosure.
Returned Payment Fee $30 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee $10. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Pay-by-Phone Fee $5. If your account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for each time you make a payment by telephone as disclosed in this Disclosure.
PIN Replacement Fee $10. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account whenever you request a new PIN number for your account.
Rush Fee $30. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee $2. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is make in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement you request.

Periodic Rates.

  • The Introductory Purchase APR is 11.90% which is a monthly periodic rate of 0.9917%.
  • The Purchase APR is 15.90% which is a monthly periodic rate of 1.3250%.
  • The Introductory Balance Transfer APR is 11.90% which is a monthly periodic rate of 0.9917%.
  • The Balance Transfer APR is 15.90% which is a monthly periodic rate of 1.3250%.
  • The Introductory Cash Advance APR is 11.90% which is a monthly periodic rate of 0.9917%.
  • The Cash Advance APR is 15.90% which is a monthly periodic rate of 1.3250%.