was accurate October 1, 1999 and is subject to change. Contact
the Credit Union at : 8404 W. Kellogg Drive, Wichita, KS 67209
for up-to-date information.
EVERYDAY VISA 14.9% ANNUAL
PERCENTAGE RATE (Empirica Score 699 or below)
SELECT VISA 9.9% ANNUAL
PERCENTAGE RATE (Empirica Score 700 or above)
PREFERRED YOUTH VISA 9.9%
ANNUAL PERCENTAGE RATE
PERIOD FOR REPAYMENT OF PURCHASE BALANCES: You have
25 days from your statement closing day to repay your balance
before a finance charge will be imposed. There is no grace period
for cash advances.
OF COMPUTING THE BALANCE FOR PURCHASES: FINANCE CHARGE
is calculated at the daily periodic rate on the daily balance
of cash advances and average purchases on the account. The unpaid
balance is determined each day during the statement period,
beginning with the total of your Previous Balance, reduced by
payments you make and credits we apply, and increased by purchases
and cash advances you make and debit adjustments and fees we
make during the statement period. Cash advances are always subject
to FINANCE CHARGE from the posing date.
ADDITIONAL TRANSACTION FEES:
Cash advances: None
Over-the-limit fee: $10.00
Late payment fee: $15 is charged on payments more than 10
Draft retrieval fee: A fee of $15.00 is charged for a copy
of a transaction on your account.
Returned payment: A fee of $10.00 is charged for each payment
that is returned unpaid.
Reject telephone payment fee: $10.00
Replacement card: $5.00
Walk-thru card: $15.00 is charged
for expedited card delivery.