Visa Card Disclosures

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

VISA Platinum & Visa Platinum Secured
7.90%
VISA Gold & Visa Gold Secured
9.90%
VISA Classic & Visa Classic Secured
10.92%
VISA Credit Builder
12.00 - 14.00%, based on your creditworthiness.

APR for Balance Transfers

VISA Platinum & Visa Platinum Secured
2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 7.90%
VISA Gold & Visa Gold Secured
2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 9.90%
VISA Classic & Visa Classic Secured
2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 13.92%
VISA Credit Builder
2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 14.00 - 15.00%, based on your creditworthiness.

APR for Cash Advances

VISA Platinum & Visa Platinum Secured
7.90%
VISA Gold & Visa Gold Secured
9.90%
VISA Classic & Visa Classic Secured
13.92%
VISA Credit Builder
14.00 - 15.00%, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 28 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.

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 https://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

Foreign Transaction Fee
1.00% of each transaction in U.S. Dollars

Penalty Fees

Late Payment Fee
Up to $20.00
Returned Payment Fee
Up to $20.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first three months following the opening of your account. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date:
The information about the costs of the card described in this application is accurate as of: This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum Secured, Visa Gold Secured, & Visa Classic Secured 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures

Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$20.00
Emergency Card Replacement Fee:
$160.00
Pay-by-Phone Fee:
$5.00
Rush Fee
$50.00
Statement Copy Fee
$2.00

SWS Federal Credit Union
1700 Pacheco Blvd, Martinez, CA 94553

Routing & Transit Number: 321173218

7C04A47D1D99A4C7A70D6567DE4815C5