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| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | Visa Platinum Visa Platinum Share Secured |
| APR for Balance Transfers | Visa Platinum Visa Platinum Share Secured |
| APR for Cash Advances | Visa Platinum Visa Platinum Share Secured |
| Penalty APR and When it Applies | 18.00% – Visa Platinum This APR may be applied to your account if you:
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| 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 | |
| Transaction Fees | |
| – Cash Advance Fee | $5.00 or 1.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $25.00) |
| – Foreign Transaction Fee | None |
| Penalty Fees | |
| – Late Payment Fee | Up to $25.00 |
| – Returned Payment Fee | Up to $21.00 |
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.
| Other Disclosures | |
| Late Payment Fee | $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. |
| Returned Payment Fee | $21.00 or the amount of the required minimum payment, whichever is less. |
| Rush Fee | $15.00 |
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Federally Insured by the NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. NMLS# 519897.
