Visa Classic Credit Card Increase Disclosure

Annual Percentage Rate (APR) for Purchases

Visa Classic and Visa Classic Secured
6.99%. The APR is Prime + 3.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.

Visa Rewards and Visa Rewards Secured
9.99%. The APR is Prime + 6.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.

APR for Balance Transfers (“Fixed Rate for Life”)

Visa Classic, Visa Classic Secured, Visa Rewards and Visa Rewards Secured
4.99%. This APR is subject to change without notice, but is a fixed rate for any transferred balances, until such time as the transferred balance is paid in full. The APR will be the rate in effect the business day the balance transfer request form is submitted. If the form is submitted after 6 pm, or on a non-business day, the APR will be the rate in effect the following business day.

APR for Cash Advances

Visa Classic and Visa Classic Secured
6.99%. The APR is Prime + 3.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.

Visa Rewards and Visa Rewards Secured
9.99%. The APR is Prime + 6.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.

Penalty APR and When It Is Applicable

Visa Classic and Visa Classic Secured
None

Visa Rewards and Visa Rewards Secured
None

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.

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 Federal Reserve Board’s website at: federalreserve.gov/credit card

Annual Fee

None

Balance Transfers

None

Cash Advances

None

Foreign Transactions

Up to a 1.00% International Service Assessment Fee (ISA). This fee applies to purchases and cash advances made in foreign countries and foreign currencies, and is in accordance with the operating regulations for international transactions established by VISA International, Inc.

Late Payment

Up to $31.25 (if your payment is more than 15 days late)

Returned Payment

Up to $7.50

Over-the-Credit Limit Fee

Up to $15.00

Credit Life Insurance Single

$0.30 per $1000 of balance at the end of each statement period.

Credit Life Insurance Joint

$0.54 per $1000 of balance at the end of each statement period.

Credit Disability Insurance Single

$0.77 per $1000 of balance at the end of each statement period.

Credit Disability Insurance Joint

$1.39 per $1000 of balance at the end of each statement period.

VISA Credit Card

You are giving a security interest in your present and future shares in the Credit Union.

Secured VISA Credit Card

You are giving a security interest in your present and future shares in the Credit Union. You grant the Credit Union a security interest equal to the approved limit plus $100 in your share savings account(s).