Visa Disclosure


This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.

Type Interest Rate and Interest Charges
Annual Percentage Rate (APR*) for Purchases 13.90%
APR* for Balance Transfers 13.90%
APR* for Cash Advances 13.90%
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 balance transfers and cash advances 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 Protection Bureau at www.consumerfinance.org/learnmore.
Type Fee
Annual Fee None
Account Set-up Fee None
Program Fee None
Participation Fee None
Additional Card Fee None
Application Fee None
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
Transaction Fee for Purchases None
Late Payment Fee up to $25.00
Over the Credit Limit Fee None
Returned Payment Fee up to $25.00

How We Will Calculate Your Balance

We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Other Disclosures
Late Payment Fee You will be charged a fee if you are 15 days or more late in making a payment.
If your required minimum payment is $25.00 or less, you will be charged a fee of 5.00% of the minimum payment, not to exceed $5.00.
If your required minimum payment is more than $25.00, you will be charged a fee of $15.00 or 5.00% of the minimum payment,
whichever is greater, not to exceed $25.00.
Returned Payment Fee $15.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee None
Document Copy Fee None
Rush Fee None
Emergency Card Replacement Fee $150.00
PIN Replacement Fee None
Card Replacement Fee None
Unreturned Card Fee None
Card Recovery Fee $65.00
Pay-by-Phone Fee $10.00

Missouri Fee Notice

Credit card fees are governed by §408.140 of the Missouri Revised Statutes.

Collection Costs

You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.

Periodic Rates

The Purchase APR* is 13.90% which is a monthly periodic rate of 1.1583%.
The Balance Transfer APR* is 13.90% which is a monthly periodic rate of 1.1583%.
The Cash Advance APR* is 13.90% which is a monthly periodic rate of 1.1583%.


(PLEASE CONTACT THE CREDIT UNION FOR ANY CHANGES IN THE DISCLOSURE SINCE POSTED AT (660) 582-5747.)