Pacific Crest

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Pacific Crest Federal Credit Union

Visa

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	9.90% Visa Platinum 14.90% Visa Secured 12.50% to 18.00% Visa Classic When you open your account, based on your creditworthiness.
APR for Cash Advances	14.90% Visa Platinum 18.00% Visa Secured 16.50% to 18.00% Visa Classic When you open your account, based on your creditworthiness.
APR for Balance Transfers	9.90% Visa Platinum 14.90% Visa Secured 12.50% to 18.00% Visa Platinum When you open your account, based on your creditworthiness.
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

Annual Fee Annual Fee - Visa Platinum Annual Fee - Visa Secured Annual Fee - Visa Classic	None $25.00 annually $10.00 annually
Transaction Fees Foreign Transaction Fee	1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees Late Payment Fee Returned Payment Fee	$20.00 $20.00

Other Disclosures

Late Payment Fee
Statement Copy Fee
Document Copy Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
Emergency Advance on New VISA
Research Fee
Holiday Skip a Payment Fee

$20.00 if you are seven (7) or more days late
$3.00
$6.00
$25.00
$3.00
$5.00
$30.00
$25.00
$15.00

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 on this page is accurate as of April 7, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.