• Annual Percentage Rate (APR) - Visa Classic 12.9%
• Other APRs - Cash Advance APR - 12.9%, Balance Transfer APR - 12.9%
• Grace Period for Purchases - 25 days
• Method for computing the Balance for Purchases - Average Daily Balance (including new purchases)
• Annual Fee - None
• Minimum Finance Charge - None
• Transaction Fee for Purchases - None
• Foreign Transaction Fee - 1% of Transaction Amount
• Balance Transfer Fee - None
• Late Payment Fee - $25.00

The information about the costs of the card described in this application is accurate as of 1/1/11. This information may have changed after that date. To find out what may have changed, contact us at the number or location listed at the top of the application.

FOR A LIMITED TIME... Get a special rate of 6.99% for the life of the balance on all new balance transfers and purchases. Call the credit union for more information.

To report a lost or stolen card, contact 1-800-433-0505

• An interest rate of 10.9% on purchases and cash advances that is lower than most financial institutions.
• 25-day grace period
• Every VISA card can be used at specified automated teller machines for cash advances.
• A low monthly minimum payment of only 3% of your balance, or a $25 minimum.
• No Annual Fee
• Manage your card online, for free, at www.ezcardinfo.com. Review account information, track spending, set alert notifications, and much more.
• Earn rewards by using your card for purchases. Every dollar spent = 1 point earned. Turn your points into merchandise and travel rewards www.scorecardrewards.com.

• An interest rate of 12.9% on purchases and cash advances that is lower than most financial institutions.
• 25-day grace period
• Every VISA card can be used at specified automated teller machines for cash advances.
• A low monthly minimum payment of only 3% of your balance, or a $25 minimum.
• No Annual Fee
• Manage your card online, for free, at www.ezcardinfo.com. Review account information, track spending, set alert notifications, and much more.
• Earn rewards by using your card for purchases. Every dollar spent = 1 point earned. Turn your points into merchandise and travel rewards www.scorecardrewards.com.

• An interest rate of 9.9% on purchases and cash advances that is lower than most financial institutions.
• Parent must sign if under 21 years of age.
• Must be full-time student 12 credits or more / semester.
• 25-day grace period.
• Every VISA card can be used at specified automated teller machines for cash advances.
• A low monthly minimum payment of only 3% of your balance, or a $25 minimum.
• No Annual Fee
• Manage your card online, for free, at www.ezcardinfo.com. Review account information, track spending, set alert notifications, and much more.