Visa Classic Plus Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 13.90%.
APR for Cash Advances 9.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 13.90%.
APR for Balance Transfers 9.90% Introductory APR for a period of six (6) billing cycles. After that your APR will be 13.90%.
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 $1.00 or 1.00% of the amount of each cash advance, whichever is greater
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
Returned Payment Fee Up to $25.00

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

Loss of Introductory APR. We may end your Introductory APR if you make a late payment. With the loss of your Introductory APR, your APR will be a rate of 13.90%.

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

Other Disclosures
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $2.00
Document Copy Fee $8.00
Rush Fee $30.00
Research Fee $25.00 per hour

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.

Periodic Rates.

  • The Purchase APR is 13.90% which is a monthly periodic rate of 1.1583%.
  • The Introductory Purchase APR is 9.90% which is a monthly periodic rate of 0.8250%.
  • The Cash Advance APR is 13.90% which is a monthly periodic rate of 1.1583%.
  • The Introductory Cash Advance APR is 9.90% which is a monthly periodic rate of 0.8250%.
  • The Balance Transfer APR is 13.90% which is a monthly periodic rate of 1.1583%.
  • The Introductory Balance Transfer APR is 9.90% which is a monthly periodic rate of 0.8250%.