VISA Credit Card Disclosure
Annual
Percentage
Rate
(APR) for Purchases
Other
APRs
Grace Period
for Purchases
Method of
Computing
the Balance
Annual Fee Minimum
Finance
Charge
Other Charges

Classic 11.99%

Gold
9.99%

Classic -
Cash Advance
11.99%

Gold -
Cash Advance
9.99%

25 days Average Daily Balance Method (including new purchases).   NONE   $.50 Transaction
Fee for
Purchases
-
None
Foreign Transaction Fee
- 1%*
Balance Transfer Fee - None
Late Payment Fee - $25.00**

Over-the-Credit-Limit Fee - $10.00




*of transaction amount
**if ten (10) or more days late

The information about the costs of the card described in this application is accurate as of 9/2006. To find out what may have changed, contact the credit union.