Visa Credit Card Application Disclosures

Fibre Federal Credit Union & TLC Visa Credit Card Disclosures

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

Visa Platinum: 1.90% introductory APR for six months.* After that, your APR will be {{RATE}}
Visa Classic: {{RATE}}

APR for Balance Transfers

Visa Platinum: 1.90% introductory APR for six months.* After that, your APR will be {{RATE}} .
Visa Classic: {{RATE}}

APR for Cash Advances

Visa Platinum & Classic: {{RATE}}

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.

Fees

Annual Fee	None

Transaction Fees	Amount
Cash Advance Fee	None
Foreign Transaction Fee	Up to 1% of the US dollar amount of the foreign transaction

Penalty Fees	Amount
Late Payment Fee	Up to $20
Returned Check Fee	$15

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account Agreement.

*Introductory balance transfer rate applies only to balance transfers from another financial institution

These Account Disclosures for the Visa Credit Card are part of and integrated with your Visa Credit Card Agreement with Fibre Federal Credit Union. We reserve the right to amend the Visa Credit Card Agreement as permitted by law. The above rates and fees are effective as of July 1, 2020.