Sioux Falls Federal Credit Union

VISA Disclosure










VISA Credit Card Application & Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rates (APR) for Purchases

Platinum: 7.50%
Classic:10.00%

APR for Cash Advances and Balance Transfers

Platinum: 7.50%
Classic:10.00%

Penalty APR and when it applies

No penalty rates

Minimum Interest charge

None

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 interest on purchases if you pay your entire balance by the due date each month.

For credit card tips from the Federal Reserve Board

To learn more about the 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 fee
    Balance Transfer fee
    Foreign Transaction fee


None
None                                                                         1% of the transaction in U.S. dollars

Penalty fees:
    Late Payment fee
    Returned Payment fee
    Over limit fee


$25 if you are 11 or more days late
$25 
None                                                              

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 cards described above is accurate as of February 22, 2010. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other disclosures
Document copy fee                                        $3.00
Emergency card replacement fee              $15.00

Maximum Rate
By NCUA regulation, the maximum APR on any credit union issued credit card is 18%.

 

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