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Membership Booklet
Truth-in-Savings Disclosure
Privacy Notice Disclosure
Patriot Act Disclosure
| Fees applicable to all accounts (Effective March 1, 2012) |
| Returned item fee |
$27.50 per item |
| Statement copies fee |
$1.00 per page |
Wire transfer fee
International wire transfer fee |
$17.50 per transfer
$20.00 per transfer |
| Non-sufficient funds fee |
$27.50 per item |
| Cashiers Check fee |
$1.00 per item (unless issued to yourself) |
| ATM or debit card transaction that overdraws your account |
$27.50 per item (if applicable) |
| Share draft account fees (Effective March 1, 2012) |
| Non-sufficient funds fee |
$27.50 per item |
| Stop payment order fee |
$27.50 per order |
| Draft copy fee |
$2.00 per copy |
| Draft/Check printing fee |
Varies depending on the style of check ordered. |
| Check copies on CD |
$20.00 per month |
| Debit Card purchases |
Free Unlimited (debit or credit) |
| Debit Card replacement |
$5.00 (after second card) |
| Debit Card PIN reorder |
$2.00 |
| ATM Service Fees |
| No charge for deposits |
| $1.00 charge per transaction after the 4th transaction of the month including balance inquiries and transfers. |
| PIN number reorder $2.00 |
| Card replacement $5.00 (after second card) |
| Click here for surcharge free atm locations |
| Dormancy Fee |
| Accounts without any activity for 12 consecutive months (excluding dividend postings) will be charged a fee of $2.00 per month after the 12th month of inactivity. |
| VISA - Credit Disclosures and Fees |
| Interest Rates and Interest Charges |
|
CLASSIC |
PLATINUM |
| Annual Percentage Rate(APR) for Purchases |
8.99%, 9.99%, 10.99%, 12.99%, 15.99%, or 17.99% when you open your account based on your creditworthiness. |
8.99% or 9.99% when you open your account based on your creditworthiness. |
| APR for Cash Advances |
8.99%, 9.99%, 10.99%, 12.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
8.99% or 9.99% when you open your account, based on your creditworthiness. |
| APR for Balance Transfers |
8.99%, 9.99%, 10.99%, 12.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
8.99% or 9.99% when you open your account, based on your creditworthiness. |
| Minimum Interest Charge |
None
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| 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. |
| For 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 Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees |
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Annual Fee
- Annual Fee Visa Classic
- Annual Fee - Visa Platinum
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None
None |
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Transaction Fees
- Balance Transfer Fees
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
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None
None
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None |
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Penalty Fees
- Late Payment Fee
- Returned Payment Fee
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Up to $15.00
Up to $25.00 |
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 March 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
| Late Payment Fee |
Up to $15.00 if you are 15 or more days late |
| Document Copy Fee |
$12.00 |
| Emergency Card Replacement Fee |
$160.00 |
| Card Replacement Fee |
$5.00 |
| Card Recovery Fee |
$65.00 |
| Pay by Phone Fee |
$10.00 |
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