Credit Cards Visa or MasterCard Classic, Gold, or Platinum...the choice is yours!

¹ - Annual Percentage Rate

NOTE: Visa Classic Reduced Rate Notification
Your Credit Union is pleased to reduce the interest rate for Visa Classic cardholders. The annual percentage rate for the Visa Classic effective November 1, 2009 would have been 11.25% and 15.25% (daily periodic rate of 0.0308% and 0.0418%). From November 1, 2009 through December 31, 2009, the annual percentage rate for Visa Classic shall be reduced to between 7.50% and 11.50% (daily periodic rate of 0.0205% and 0.0315%). Effective 1/1/2010 the interest rate for the Visa Classic may return to the index and margin and minimum APR which was originally disclosed to you.

NOTE: Mastercard Reduced Rate Notification
Your Credit Union is pleased to reduce the interest rate for MasterCard cardholders. The annual percentage rate for designated MasterCard effective November 1, 2009 would have been between 7.90% and 15.90% (daily periodic rate between 0.0216% and 0.0436%). From November 1, 2009 through December 31, 2009, the annual percentage rate for the designated MasterCard borrowers shall be reduced to between 6.90% and 12.90% (daily periodic rate between 0.0189% and 0.0353%). Effective 1/1/2010 the interest rate for the MasterCard may return to the index and margin and minimum APR which was originally disclosed to you.

NOTE: MasterCard Gold Reduced Rate Notification
Your Credit Union is pleased to reduce the interest rate for MasterCard Gold cardholders. The annual percentage rate for designated MasterCard Gold effective November 1, 2009 would have been 13.90% (daily periodic rate of 0.0381%). From November 1, 2009 through December 31, 2009, the annual percentage rate for MasterCard Gold shall be reduced to 8.90% (daily periodic rate of 0.0244%). Effective 1/1/2010 the interest rate for the MasterCard Gold may return to the index and margin and minimum APR which was originally disclosed to you.

NOTE: Visa Platinum Reduced Rate Notification
Your Credit Union is pleased to reduce the interest rate for Visa Platinum cardholders. The annual percentage rate for the Visa Platinum effective November 1, 2009 would have been between 9.50% and 14.00% (daily periodic rate of 0.0260% and 0.0384%). From November 1, 2009 through December 31, 2009, the annual percentage rate for Visa Platinum shall be reduced to between 7.40% and 11.90% (daily periodic rate of 0.0203% and 0.0326%). Effective 1/1/2010 the interest rate for the Visa Platinum may return to the index and margin and minimum APR which was originally disclosed to you.

NOTE: Visa Gold Reduced Rate Notification
Your Credit Union is pleased to reduce the interest rate for Visa Gold cardholders. The annual percentage rate for the Visa Gold effective November 1, 2009 would have been 9.75% (daily periodic rate of 0.0267%). From November 1, 2009 through December 31, 2009, the annual percentage rate for Visa Gold shall be reduced to 7.90% (daily periodic rate of 0.0216%). Effective 1/1/2010 the interest rate for the Visa Gold may return to the index and margin and minimum APR which was originally disclosed to you.

- Variable rates may vary monthly. Maximum rate is 18.00%

*These rates are determined by applicant's credit worthiness and collateral. Your actual rate may vary.

**The finance charge for cash advances for a billing cycle is computed by applying the daily periodic rate to the average daily balance multiplied by the number of days in the billing cycle. The daily periodic rate is determined by dividing the Annual Percentage Rate by 365. The finance charge for a purchase is computed by applying the daily periodic rate to the Average Daily Principal Balance during that billing cycle. The daily periodic rate is determined by dividing the Annual Percentage Rate by 365.

Mastercard has a $12.00 annual fee, Mastercard Gold has a $40.00 annual fee, Visa Gold has a $24.00 annual fee. Platinum Visa has a $14.00 annual fee.

Must be a member of Visions Federal Credit Union, a membership fee of $1.00 is required with a minimum balance of $25.00.

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