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Visa Credit Card Disclosure
Annual Percentage Rate (APR) for Purchases	9.90%
Other APR's	Cash Advance APR….9.90% Balance Transfer APR…9.90%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance            (Including New Purchases)
Annual Fee	None
Minumum Finance Charge	None
Transaction Fee for Purchases	None
Balance Transfer Fee	None
Late Payment Fee	5%**
Over-the-Credit-Limit fee	$15.00
Card Replacement Fee	$15.00 plus expess mail charges
Returned Check Fee	$20.00
** Of the total amount delinquent
The information about the costs of the card described in this application is accurate as of 11/09. This information may have changed after that date. To find out what may have changed, contact the credit union
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