UTILITY EMPLOYEES CREDIT UNION
2773 N Main Street • P.O. Box 2108
Decatur, IL 62524-2108
217-875-1845 • 1-800-792-2174
Fax: 217-875-3648 		loanliner
VISA
CREDIT CARD ACCOUNT OPENING DISCLOSURE
Interest Rates and Interest Charges.
Annual Percentage Rate (APR) for Purchases
12.85% Visa Classic
  8.00% Visa Secured
  9.25% Visa Platinum
  7.50% Visa Gold
APR for Cash Advances
12.85% Visa Classic
  8.00% Visa Secured
  9.25% Visa Platinum
  7.50% Visa Gold
Minimum Interest Charge None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Set-up and Maintenance Fees
      • Annual Fee - Visa Classic/Visa Secured
      • Annual Fee - Visa Platinum/Visa Gold
      • Replacement Card Fee
None
None
$10.00 per card
Transaction Fees
      • Balance Transfer Fee
      • Cash Advance Fee
      • Foreign Transaction Fee
None
None
1.00% of each transaction in U.S. dollars
Penalty Fees
      • Late Payment Fee
      • Over-the-Credit Limit Fee
      • Returned Payment Fee
$25.00
$25.00 (if applicable)
$25.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Effective Date. The information about the costs of the card described in this application is accurate as of April 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES
Late Payment Fee   $25.00 if you are five (5) or more days late
Over-the-Credit Limit Fee $  25.00 if new balance less any fees is more than $ 5.00 over your creditlimit (if applicable)
Statement Copy Fee $    1.00  
Document Copy Fee $  12.00  
Rush Fee $  25.00  
Emergency Card Replacement Fee $150.00  
Card Recovery Fee $  65.00  
Pay by Phone Fee $  10.00