Credit Card Account Opening Disclosure

This disclosure is incorporated into and becomes part of your Consumer Credit Card Agreement & Disclosure. Keep it attached to your Agreement.

Interest Rates and Interest Charges

Fees

Transaction Fees

Penalty Fees

How We Will Calculate Your Balance

We use a method called “average daily balance (including new purchases).” See your Account Agreement for details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Military Lending Act Disclosures

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card account).

Other Fees & Disclosures

Late Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a payment. If you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less. If your Account is subject to a Late Payment Fee, the fee will be charged when you do not make the required minimum payment by or within the number of days of the Payment Due Date set forth on this disclosure.

Balance Transfer Fee (Finance Charge)

$10.00 or 3.00% of the amount of each balance transfer, whichever is greater. The fee is charged when you transfer a balance from another creditor to the account subject to your Agreement.

Cash Advance Fee (Finance Charge)

$10.00 or 3.00% of the amount of each cash advance, whichever is greater. The fee is charged when you obtain a cash advance from an ATM, the Credit Union, or another financial institution.

Over-the-Credit Limit Fee

$10.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. If you have elected the feature to allow your account to go over your credit limit, we may charge you a fee as allowed by law. We will not impose another over-the-limit fee except in the next two billing cycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each billing cycle.

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less. The fee is charged when a payment is returned for any reason.

Card Replacement Fee

$10.00 per replacement card.

Pay-by-Phone Fee

$10.00 per phone payment, except as limited by law.

Rush Fee

$30.00 second day, $50.00 overnight, when you request a rush card. Standard mail delivery is available without a fee.

Statement Copy Fee

$5.00 per document, except as limited by applicable law and when the request is made in connection with a Credit Union billing error.

Collection Costs

You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney's fees.

Periodic Rates