Application and solicitation disclosure
| Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | Visa Platinum 0.00% Introductory APR for six months from account opening. After that, your APR will be 11.50% to 21.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards 0.00% Introductory APR for six months from account opening. After that, your APR will be 15.50% to 19.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Everwise Visa Accelerate 19.99% |
| APR for Balance Transfers Visa Platinum | Visa Platinum 0.00% Introductory APR for six months from account opening. After that, your APR will be 11.50% to 21.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards 0.00% Introductory APR for six months from account opening. After that, your APR will be 15.50% to 19.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances Visa Platinum | Visa Platinum 14.00% to 24.00%, when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Signature Rewards 15.75% to 19.75%, when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Everwise Visa Accelerate 19.99% |
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 any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
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 at http://www.consumerfinance.gov/learnmore. |
| Fees | |
Transaction Fees - Balance Transfer Fee - Visa Platinum, Signature Rewards - Cash Advance Fee None - Foreign Transaction Fee | $10.00 or 2.00% of the amount of each balance transfer, whichever is greater None None |
Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee | Up to $25.00 None Up to $25.00 |
Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.