Disclosure Information for Visa Platinum, Point Rewards Visa Platinum, & Cash Rewards Visa Platinum

Credit Card Account Opening Disclosure

Interest Rates and Interest Charges Visa® Platinum Point Rewards Visa Platinum Cash Rewards Visa Platinum
Annual Percentage Rate (APR) for Purchases 11.25% to 17.25% This APR will vary with the market based on the Prime Rate 12.25% to 18.00% This APR will vary with the market based on the Prime Rate 13.25% to 18.00% This APR will vary with the market based on the Prime Rate
APR for Balance Transfers 11.25% to 17.25%
This APR will vary with the market based on the Prime Rate
12.25% to 18.00%
This APR will vary with the market based on the Prime Rate
13.25% to 18.00%
This APR will vary with the marked baset on the Prime Rate
APR for Cash Advances 11.25% to 17.25%
This APR will vary with the market based on the Prime Rate
12.25% to 18.00%
This APR will vary with the market based on the Prime Rate
13.25% to 18.00%
This APR will vary with the market based on the Prime Rate 1
Penalty APR and When it Applies None None None
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date. 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. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days from 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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. To learn more about factors to consider when applying for or using a credit card, visit the website of 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.
Fees
Transaction Fees
Cash Advance 2% of advance amount 2% of advance amount 2% of advance amount
Foreign Transaction Exchange Rate plus 1% of transaction Exchange Rate plus 1% of transaction Exchange Rate plus 1% of transaction
Penalty Fees
Late Payment
up to $29 up to $29 up to $29

How We Will Calculate Your Balance: We use a method called “average daily balance” (including purchases, cash advances and balance transfers). See the Variable Rate Credit Card Agreement and Truth-in-Lending Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate Credit Card Agreement and Truth-in-Lending Disclosure.

Your new credit card has a variable rate. Additional rate information is as follows:

Visa Platinum Point Rewards Visa Platinum Cash Rewards Visa Platinum
MONTHLY PERIODIC RATE FOR APR SHOWN ABOVE FOR PURCHASES, CASH ADVANCES, AND BALANCE TRANSFERS 0.9375% TO 1.4375% 1.0208% TO 1.5000% 1.1041% TO 1.5000%
MARGIN 8.00% TO 14.00% 9.00% TO 15.00% 10.00% TO 16.00%

The Annual Percentage rate and monthly periodic rate above is in effect until the next monthly change. Refer to your Variable Rate Credit card Agreement and Truth-in-Lending Disclosure for more information regarding your variable rate.

    © 2014 Hudson Valley Federal Credit Union

    159 Barnegat Rd. Poughkeepsie, NY 12601
    ph: 845.463.3011 / 800.468.3011

    Routing Number : 221979363