Generous Credit Limits
DIRECT DEPOSIT FORM
NO F ee on Cash A
Fee
All three card types offer a generous credit limit up to and Balance T
dvances
Advances
ransfers
Transfers
$15,000complete
Please for members
thewho qualify.
direct VISAform
deposit Goldandandforward
Plati- There is nopayroll
it to your fee for cash advancesfor
department or faster
balanceprocessing.
transfers.
num require a minimum credit limit of $5,000.
Easy Payment Options
L OW Annual P ercentage Rate
Percentage Minimum payments are 3.5% of unpaid balance, but
Our LOW Variable AnnualAuthorization
Percentage RateCode:
is based onNewnot less Change
than $15.00.Cancel
Automatic transfer of Visa pay-
theIPrime Lending
authorize youRate
andand remains Plus
Financial in effect for the
Credit Unionments
to initiate
are onelectronic credit
the 25th of each entries,
month from the regular
calendar quarter. See the chart below for current rates. share or share draft checking account. Three payment
and if necessary, debit entries and adjustments for any credit entries in error to my:
Grace P eriod
Period transfer methods are available:
1. Minimum payment (3.5% of outstanding balance,
With our 25-day GRACE
Checking AccountPERIOD,
# avoid finance charges $
plus any fees or overages). .
on purchases by making payment in full (full statement
2. Flat payment (same amount every month).
balance paid monthly) by the
# due date. Finance charges
Savings Account
on Cash Advances begin on the date of the transaction. $
3. Payment in full (full balance .
paid monthly).
NO Annual F Credit Protection
eeperiod. This authority will remain in
each pay Fee effect until
Low-cost CreditI Disability
have cancelled
Insuranceit and
in writing.
Credit Life In-
You save because there is NO ANNUAL FEE.
surance is available to cover your payments or balance
Financial Institution Information in the event of aAccount
tragedy.Holder Information
Name (Please print):
Address:“IMPOR TANT
“IMPORTANT INFORMA
“IMPORT
G-3381 Van Slyke Road TION REG
INFORMATION ARDING Y
REGARDING
SSN#: OUR ACCOUNT”
YOUR
City, State, Zip: Flint, MI 48507 Signature:
VISA CLASSIC VISA GOLD VISA PLATINUM
Employer Name: Date:
Address:
Annual Percentage Rate
(APR) for Purchases The current APR is 14.0% vari-
able, as of January 1, 2008 and is valid
The current APR is 13.0% vari-
able, as of January 1, 2008 and is valid
The current APR is 9.25% vari-
able, as of January 1, 2008 and is valid
City, State, Zip:
through March 31, 2008. The minimum through March 31, 2008. The minimum through March 31, 2008. The minimum
APR that can apply is 14.0%. APR that can apply is 13.0%. APR that can apply is 8.0%.
272480128
Annual Percentage Rate The current APR is 15.0% variable, as of The current APR is 14.0% variable, as of The current APR is 11.25% variable, as
TRANSIT
(APR) for Cash Advances January 1, 2008 and ROUTING
is valid through NUMBER
January (ABA)
1, 2008 and is valid through of January 1, 2008 and is valid through
and Balance Transfers March 31, 2008. The minimum APR that March 31, 2008. The minimum APR that March 31, 2008. The minimum APR that
can apply is 15.0%. can apply is 14.0%. can apply is 10.0%.
Variable Rate Information Your Annual Percentage Rate may vary Your Annual Percentage Rate may vary Your Annual Percentage Rate may vary
each calendar quarter and is determined each calendar quarter and is determined each calendar quarter and is determined
by adding a “margin” of 6% for pur- by adding a “margin” of 5% for pur- by adding a “margin” of 2% for pur-
chases and a “margin” of 7% for cash chases and a “margin” of 6% for cash chases and a “margin” of 4% for cash
advances (including balance transfers) advances (including balance transfers) advances (including balance transfers)
to the Prime Lending Rate, published to the Prime Lending Rate, published to the Prime Lending Rate, published
under Money Rates in the Wall Street under Money Rates in the Wall Street under Money Rates in the Wall Street
Journal, in effect three business days Journal, in effect three business days Journal, in effect three business days
prior to the first day of each quarter. prior to the first day of each quarter. prior to the first day of each quarter.
Grace Period for Purchases To avoid Finance Charge on purchases, pay the full amount of the new
statement balance within 25 days of your statement closing date.
Method of Calculating Average Daily Balance (including New Purchases) Method.
the Balance
Annual Membership Fee None None None
Minimum Finance Charge None None None
Cash Advance and
Balance Transfer Fee None None None
Late Payment Fee $29.00 ($15.00 if account balance is $500 or less) if you fail to make at least the Minimum Payment shown on your
monthly statement within 25 days of the closing date of that statement.
Over-the-Credit-Limit Fee $29.00 ($15.00 if account balance is $500 or less) for each statement cycle in which the balance on
your account during that month exceeds your credit limit.
International Transactions 1% of the U.S. dollar amount of the transaction (rounded to the nearest dollar), whether originally made in U.S. dollars or converted from a foreign currency.
Check Stop Payment Fee $25.00 for each check or group of checks.
This information was printed on 12/31/07, and is accurate as of that date, but is subject to change after that date. Contact the credit union at 810-244-2200 or toll-free 800-748-0451 for changes in these terms since it was printed.
