Application and Solicitation Disclosure

VISA ALLEGENT PLATINUM / VISA ALLEGENT MEMBERSHIP REWARDS

Rates effective 11/21/2022

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Allegent Platinum
11.65%
This APR will vary with the market based on the Prime Rate.

Visa Allegent Membership Rewards
9.90% to 13.90%, based on your creditworthiness.

APR for Balance Transfers

Visa Allegent Platinum
3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 11.65%. This APR will vary with the market based on the Prime Rate.

Visa Allegent Membership Rewards
3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 9.90% to 13.90%, based on your creditworthiness.

APR for Cash Advances

Visa Allegent Platinum
11.65% This APR will vary with the market based on the Prime Rate.

Visa Allegent Membership Rewards
9.90% to 13.90%, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore/.

Fees

Annual Fee

– Annual Fee

None

Transaction Fees

– Balance Transfer Fee

None

– Cash Advance Fee

None

– Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Penalty Fees

– Late Payment Fee

Up to $25.00

– Returned Payment Fee

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: November 21, 2022.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Allegent Platinum and Visa Allegent Membership Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00.