Application and Solicitation Disclosure

VISA BLUEROOF CLASSIC/VISA BLUEROOF
REWARDS/VISA ELEMENT

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa BlueRoof Classic, Visa BlueRoof Rewards:

The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account.

Loss of Introductory APR:

We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Effective Date:

The information about the costs of the card described in this application is accurate as of: December 23, 2024

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

For California Borrowers, the Visa BlueRoof Classic, Visa BlueRoof Rewards and Visa Element 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.

Notice to New York Residents:

New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:

Late Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Balance Transfer Fee (Finance Charge) - Visa Element

2.00% of each balance transfer.

Cash Advance Fee (Finance Charge): 

2.00% of each cash advance.

Returned Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:

$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:

$8.00.

Document Copy Fee:

$5.00.

Rush Fee:

$50.00.

Statement Copy Fee:

$10.00.

Instant Card Issue Fee:

$10.00.

Returned Mail for Invalid Address Fee:

$10.00.