VISA Credit Card Rates & Disclosures
Effective Date: July 25, 2003
217-278-7700 | 877-678-4928 (toll free)
All rates subject to change.

Please contact the credit union for further information about applicable fees and terms. Membership qualifications apply. All rates listed as ANNUAL PERCENTAGE RATE (APR).

Card Type	APR
VISA Platinum	9.90% APR
VISA Classic	13.50% APR
Platinum- Other APRs	Balance transfer 9.90% APR. Cash advance 9.90% APR. Penalty rate 17.99% APR*
Classic- Other APRs	Balance transfer 13.50% APR. Cash advance 13.50% APR. Penalty rate 17.99% APR*
Variable-rate information	None
Grace period for repayment of the balance for purchases	25 days
Method of computing the balance for purchases	Average Daily Balance (including new purchases)
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	None
Balance transfer fee	None
Late payment fee	$25
Over-the-credit-limit fee	$15

*A penalty rate of 17.99% APR (monthly periodic rate of 1.499%) will take effect on all balances if your credit union VISA account status reaches thirty days delinquent (thirty days past your due date) twice during any six month period or reaches sixty days delinquent once during any twelve month period. Once the increased rate applies, it will remain in effect even if you make payments and/or cure any delinquency. After 6 months of consecutive on-time payment history, you may request to revert to the standard rate by submitting a new credit application for re-qualification.

Charges incurred by use of the charge card are due when the periodic statement is received. You grant the credit union a purchase money security interest in any goods you purchase with the credit union VISA, under the Uniform Commercial Code. If you have other loans or credit extensions or receive future loans or credit extensions from the credit union, the collateral securing these loans will also secure your credit union VISA. If you default on your VISA account, the credit union has the right to recover any of these goods that have not been paid for. 

I understand that granting a security interest is a condition for the credit card account and I give you a security interest in all funds now or hereafter in the deposit accounts listed at the top of this page (except IRAs), and if I default under the terms of this Agreement I authorize you to apply such funds to the payment of my credit card account indebtedness.

Disclosure information is accurate and effective as of April, 2003 and is subject to change. To inquire about changes in these disclosures, call toll free 877.678.4328.