Visa Classic

Thank you for applying for your VISA Credit Card at SFCU.

You will now be given the opportunity to read about the rates and terms of your VISA loan below. Should you agree to the terms, please click the applicable button at the end of this page and you will then enter your loan application.

ANNUAL PERCENTAGE RATES for Purchases
As of September 21, 2006, the range of ANNUAL PERCENTAGE RATES for SFCU's Visa credit card was 9.49% up to 18.00%.

Other APRs
Delinquency APR: 18% If you default under any SFCU agreement, your APR on your current balance may increase to a fixed rate of 18%. The delinquency APR will remain in effect until you make six consecutive timely payments and without further default by you.

Daily Periodic Rate
As of September 21, 2006, the range of periodic rates for the range of ANNUAL PERCENTAGE RATES listed above was .0002600 up to .00049315.

Variable Rate Information
Your ANNUAL PERCENTAGE RATE may vary. The rate is determined by taking the average of the 11th District Federal Home Loan Cost of Funds Index and the London Interbank Offered Rate as published in the Wall Street Journal five (5) business days prior to the 'Change Date' rounded up to the nearest 1/4 percent. The 'Change Date' shall coincide with statement billing cycle date of your VISA Card. Rates are subject to change in March, June, September and December of each year.

Margin: The Credit Union will add a Margin to the Index to compute your ANNUAL PERCENTAGE RATE. The Margin applicable to your account will be based on your credit history.

Grace Period for Repayment of Balance for Purchases
You have 25 days from your statement date to repay your statement new balance before a FINANCE CHARGE on purchases will be imposed.

Method for Computing the Balance
Average Daily Balance (including new purchases)

Annual Fee
None

Minimum FINANCE CHARGE
None

Transaction Fee for Cash Advances and Fees for Paying Late or Exceeding the Credit Limit
Transaction Fee for Cash Advance:
(FINANCE CHARGE) 2.5% of Cash Advance; Minimum Fee $1.00

Late Payment Fee:
15% of Payment Due; Minimum Fee $10.00, Maximum Fee $30.00

Over-Limit Fee:
1% of Over Limit Amount; Minimum Fee $5.00

*The rates shown above may have changed since the date stated. Call the following numbers for current rate information: (509) 328-2900 or toll-free 1-800-541-4310. Rev. 11/06

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I do NOT agree to the terms and conditions as set forth above as they pertain to my Loan account.