Disclosures for Visa Cards
DISCLOSURE FOR VISA CLASSIC CARD
| Annual percentage rate for purchases, balance transfers and cash advances | 12.90% |
| Grace period for repayment of the balance for purchases | You have 25 days to repay your purchase balance before a finance charge on purchases will be imposed. |
| Method of computing the balance for purchases | Average daily balance including new purchases |
| Annual fee | $10.00 |
| Transaction fee for purchases | None |
| Minimum finance charge for purchases | None |
| Late Fee | $20 if minimum payment not received within 15 days of due date |
Transaction fee for cash advances: $1.50. No grace period for cash advances. Over credit limit fee: $15.00. Foreign Transactions: Purchases & cash advances made in foreign countries and foreign currencies will be billed in U.S. dollars. The currency conversion fee is 1%. Effective May, 2008, U.S. currency transactions conducted outside of the United States will be assessed a .8% foreign transaction fee. The information about these costs is accurate as of April 1, 2008 and is subject to change after that date. Please contact the credit union at (808) 254-3566 for any changes to this information.
DISCLOSURE FOR VISA GOLD CARD
| Annual percentage rate for purchases, balance transfers and cash advances | 9.90% |
| Grace period for repayment of the balance for purchases | You have 25 days to repay your purchase balance before a finance charge on purchases will be imposed. |
| Method of computing the balance for purchases | Average daily balance including new purchases |
| Annual fee | None |
| Transaction fee for purchases | None |
| Minimum finance charge for purchases | None |
| Late Fee | $20 if minimum payment not received within 15 days of due date |
Transaction fee for cash advances: $1.50. No grace period for cash advances. Over credit limit fee: $15.00. Foreign Transactions: Purchases & cash advances made in foreign countries and foreign currencies will be billed in U.S. dollars. The currency conversion fee is 1%. Effective May, 2008, U.S. currency transactions conducted outside of the United States will be assessed a .8% foreign transaction fee. The information about these costs is accurate as of April 1, 2008 and is subject to change after that date. Please contact the credit union at (808) 254-3566 for any changes to this information.
