STUDENT VISA APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
APR for Purchases
9.90%
APR for Cash Advances
9.90%
APR for Balance Transfers
9.90%
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 Consumer Financial Protection Bureau
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
APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. VISA Credit Card rates apply to cash advances, balance transfers, and outstanding balances on purchases.
Fees
Set-up and Maintenance Fees
Annual Fee
Account Set-up Fee
Program Fee
Participation Fee
Account Maintenance Fee on Closed
Accounts
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
$5.00
$5.00
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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