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Solicitation DisclosureVisa Logo

Credit Card Solicitation Disclosure

How We Will Calculate Your Balance:
We use a method called “average daily balance (excluding new purchases) (including new balance transfers and cash advances).” 

Effective Date:
The information about the costs of the card described in this application is accurate as of: April 20, 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 Classic is a secured credit card. 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. 

Other Fees & Disclosures:
Late Payment Fee:

$15.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Statement Copy Fee: