Northwest Community Credit union VISA Credit Card Application Disclosures
VISA Rates & Fees
| INTEREST RATES AND INTEREST CHARGES |
| Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers: |
Classic:
9.90%
-
17.90%
Gold:
6.25%
when you open your account.
After that, your APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases |
Your due date is approximately 25 days after the close of each billing cycle. We will not
charge any interest on the portion of the purchases balance that you pay 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
website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard. |
| FEES |
| Annual Fee: |
None |
| Transaction Fees |
| Cash Advance |
None |
| Balance Transfer |
None |
| Foreign Transaction |
Up to 1% of the US dollar amount of the foreign transaction |
| Penalty Fees |
| Late Payment |
$25.00 |
| Card Replacement |
$5.00 |
| Returned Payment |
$6.00 |
How We Will Calculate Your Balance: We use a method called “daily balance”. We reserve the
right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are
current as of
2/22/2010. Please contact the
Credit Union at PO Box 70225, Eugene, OR 97401-0145 for any change in the card terms or disclosure.