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How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account agreement for details.
Effective Date. The information about the costs of the card described in this application is accurate as of 01/01/2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.
Collection Costs for credit unions lending to borrowers in Alabama. After default and upon referral to an attorney, who is not an employee of the Credit Union, you agree to pay all costs of collecting the amount you owe under this Agreement, including, if the unpaid balance under this plan is greater than $300.00 at the time of collection, reasonable attorney's fees.
Collection Costs for credit unions lending to borrowers in Arkansas. You agree to pay all costs of collecting the amount you owe under this Agreement, including attorney's fees not to exceed 10.00% of the amount of principal plus interest and all court costs.
Collection Costs for credit unions lending to borrowers in Colorado. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the upaid debt after default.
Collection Costs for credit unions lending to borrowers in Connecticut, D.C., Georgia. You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney's fees not in excess of 15.00% of any judgment and all court costs.
Collection Costs for credit unions lending to borrowers in Idaho. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees.
Collection Costs for credit unions lending to borrowers in Illinois. You promise to pay, subject to applicable law, all costs of collecting what you owe under this Agreement and all costs of realizing on any security of the Plan including court costs, collection agency fees and reasonable attorney fees. We may enter into a contingent or hourly fee arrangement with an attorney or collection agency and you agree that such an Agreement is reasonable. This provision also applies to bankruptcy, appeals or postjudgment proceedings.
Collection Costs for credit unions lending to borrowers in Kansas. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.
Collection Costs for credit unions lending to borrowers in Maine. For loans with an interest rate less than or equal to 12¼%:
Attorney's Fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Collection Costs for credit unions lending to borrowers in Kentucky, Michigan, Nebraska, North Dakota, Ohio, and South Dakota. You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law.
Collection Costs for credit unions located in New Hampshire. You agree to pay all costs of collecting what you owe under this Agreement and reasonable attorney's fees. If you win in any action, suit or proceeding brought by the Credit Unon or in any action you bring against the Credit Union, you will be awarded reasonable attorney's fees. If you successfully assert a partial defense or set-off, recoupment or counterclaim, the court may withhold from the Credit Union the entire amount or such portion of the attorney's fees as the court considers equitable.
Collection Costs for credit unions lending to borrowers in New Jersey. You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney's fees not exceeding 20.00% of the principal and interest due and all court costs.
Collection Costs for credit unions lending to borrowers in Oklahoma. You promise to pay all costs of collecting the amount you owe under this Agreement. These costs include reasonable attorney's fees not in excess of 15.00% of the unpaid debt after default and referral to an attorney, not a salaried employee of the Credit Union, unless you borrowed $1,000.00 or less at an interest rate greater than 10.00% per year.
Collection Costs for credit unions lending to borrowers in Oregon. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs, reasonable attorney's fees and the costs of any appeal by the Credit Union.
Collection Costs for state-chartered credit unions lending to borrowers in South Carolina. You promise to pay all costs of collecting the amount you owe under this Agreement. These costs will include reasonable attorney's fees not in excess of 15.00% of the unpaid debt after default unless you borrowed $1,000.00 or less at an interest rate greater than 18.00% per year.
Collection Costs for federally chartered credit unions lending to borrowers in South Carolina. You promise to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.
Collection Costs for credit unions lending to borrowers in Wyoming. You promise to pay all costs of collecting the amount you owe under this Agreement. These costs will include reasonable attorney's fees unless you borrowed $1,000.00 or less at an interest rate greater than 10.00% per year.
Periodic Rates.
Visa Platinum Elite
The Purchase APR is 8.90%, 9.90%, 10.90%, 15.90%, or 18.90% which is a monthly periodic rate of 0.7417%, 0.8250%, 0.9083%, 1.3250%, or 1.5750%.
The Cash Advance APR is 11.90%, 12.90%, 13.90%, 18.90%, or 21.90% which is a monthly periodic rate of 0.9917%, 1.0750%, 1.1583%, 1.5750%, or 1.8250%.
The Balance Transfer APR is 11.90%, 12.90%, 13.90%, 18.90%, or 21.90% which is a monthly periodic rate of 0.9917%, 1.0750%, 1.1583%, 1.5750%, or 1.8250%.
Visa Platinum Elite Rewards
The Purchase APR is 10.90%, 11.90%, 12.90%, 17.90%, or 20.90% which is a monthly periodic rate of 0.9083%, 0.9917%, 1.0750%, 1.4917%, or 1.7417%.
The Cash Advance APR is 13.90%, 14.90%, 15.90%, 20.90%, or 23.90% which is a monthly periodic rate of 1.1583%, 1.2417%, 1.3250%, 1.7417%, or 1.9917%.
The Balance Transfer APR is 13.90%, 14.90%, 15.90%, 20.90%, or 23.90% which is a monthly periodic rate of 1.1583%, 1.2417%, 1.3250%, 1.7417%, or 1.9917%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing period following the month in which the rate is calculated to reflect any change in the Index and will be determined by the Prime Rate on the 3rd Tuesday of March, June, September, and December of each year as published in The Wall Street Journal "Money Rates" table. The ANNUAL PERCENTAGE RATE will never be less than 8.9% for Visa Platinum Elite and 10.90% for Visa Platinum Elite Rewards, nor greater than 23.99%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
The member's APR may be reviewed and changed, from time to time. Notice of any change will be given in accordance with applicable law. The APR is based on multiple criteria the credit union, at its discretion, believes is relevant.
Margin.
Visa Platinum Elite
Purchases will be charged at 3.00-12.00% above the Index.
Cash advances will be charged at 6.00-15.00% above the Index.
Balance transfers will be charged at 6.00-15.00% above the Index.
Visa Platinum Elite Rewards
Purchases will be charged at 5.00-14.00% above the Index.
Cash advances will be charged at 8.00-17.00% above the Index.
Balance transfers will be charged at 8.00-17.00% above the Index.
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