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VISA Disclosure
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  VISA Credit Card Disclosure
Effective April 19, 2004
MY Credit Union Visaź Classic Visaź Gold
Annual Percentage Rate for Purchases, Advances and Balance Transfers 13.90% to 21.90%* 9.90% to 17.90%*
Annual Fee $15.00-Waived if card is used six (6) times or more per year.
Grace Period for Repayment of Balances for Purchases You have 25 days from the billing cycle closing date to repay your balance for purchases before a finance charge on purchases will be imposed.

There is no grace period for Cash Advances and Balance Transfers.

Method for Computing Balance for Purchases Average Daily Balance (including new purchases, Cash Advances and Balance Transfers).
Fees** for cash advances, for paying late or exceeding the credit limit
Cash Advances: None
Late Payment:  
Visa Classic $10.00
Visa Gold $10.00
Over the Credit Limit: $10.00
Returned Check: $20.00
Annual Percentage Rate (APR)* Information Your Annual Percentage Rate is fixed.

Default Rate APR:
If borrower twice fails to make the required minimum payment, the Purchase and Cash Advance APR will increase by 2.00%.***

Visaź Classic
15.90% to

Visaź Gold
11.90% to

*APR = Annual Percentage Rate, based on credit scoring criteria. All rates are subject to change.
**Fees: Late payment fee: assessed the 11th day after payment is due. Over Limit Fee: assessed if outstanding balance exceeds credit limit by $500 or 120%, whichever is less.
***Default Rate APR: Remains in effect until Borrower submits the required minimum payment by the payment due date for a period of 12 consecutive months.

The policies and services described in this brochure are in effect on the date of publication, and may be revised at any time.

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