CREDIT BUILDER VISA AND EDUCATOR VISA APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Credit Builder VISA
5.74% to 18.00%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Educator VISA
3.74% to 18.00%
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
Credit Builder VISA
5.74% to 18.00%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Educator VISA
3.74% to 18.00%
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
Credit Builder VISA
5.74% to 18.00%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Educator VISA
3.74% to 18.00%
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
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.
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 Consumer Financial Protection Bureau's website: www.consumerfinance.gov/credit-cards
Fees
Set-up and Maintenance Feess
Annual Fee - Credit Builder Visa
Annual Fee - Educator Visa
Account Set-up Fee
Program Fee
Participation Fee
Account Maintenance Fee on Closed
Accounts
None
None
None
None
None
None
Transaction Fees
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee
Transaction Fee for Purchases
None
None
None
None
Penalty Fees
Late Payment Fee
Returned Payment Fee
$25.00
$25.00
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 February 22, 2010. This information may have changed after that date. To find out what may have changed, contact the
Credit Union.
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