Disclosures
Various Federal Regulations govern the Credit Union industry in much the same
way as the banking industry.
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Regulation ZZ
Transactions restricted by the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) are prohibited from being processed through a commercial account. This prohibition becomes effective on June 1, 2010. Additional information can be obtained at 419-783-6500.
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Regulation D
The most prominent one to our members is Federal Regulation D, commonly referred
to as Reg D. It controls the number of transactions that a member is allowed to
have against a savings type of account.
6 transactions per month is the limit on these accounts. ATM, night drop, and
mail in transactions do not count toward this total. MAX, CU@Home, telephone transfers,
and automated overdraft protection transactions reflect this count. After 6 of
these transactions, any further withdrawals against the account will be denied.
Please note that this is federally mandated. We can help you make any needed adjustments
to your account activity, please don't hesitate to ask.
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VISA Credit Card Disclosure
View Visa Credit Card Terms & Conditions PDF
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VISA Classic
$300 – $5,000 |
VISA Gold
$5,000 – $10,000 |
VISA Platinum
$5,000 – $25,000 |
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| Annual Percentage Rate For Purchases |
14.75% |
Your APR for purchases may vary. The rate is determined by adding 4.0% to the prime rate.* |
8.99% |
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| Annual Percentage Rate For Cash Advances |
14.75% |
Your APR for cash advances may vary. The rate is determined by adding 4.0% to the prime rate.* |
8.99% |
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Method For
Computing The
Balances For Purchases |
Average daily
balances (including
new purchases) |
Average daily
balances (including
new purchases) |
Average daily
balances (including
new purchases) |
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| How To Avoid Paying
Interest On Purchases |
Your due date is at least 25 days after the close of each billing cycle.
We will not charge you interest on purchases if you pay your entire balance
by the due date each month. |
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| Minimum Finance Charge |
NONE |
NONE |
NONE |
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| Annual Fee |
NONE |
NONE |
NONE |
|
Transaction Fee For
Purchases And Cash
Advances |
NONE |
NONE |
NONE |
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| Late Payment Fee |
$25 |
$25 |
$25 |
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| Return Check Fee |
$28 |
$28 |
$28 |
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| Inactivity Fee |
NONE |
NONE |
NONE |
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*The Prime Rate is published in The Wall Street Journal. Changes in the Prime Rate will cause changes in the Annual Percentage Rate (APR). Changes in the Annual Percentage Rate (APR) will occur on the first day of the billing cycle. Rates are subject to change monthly. The maximum rate is 18%.
NOTICE TO CONSUMERS: This Disclosure is accurate as of June 2010 and is subject to change. For more information, call us at (419) 783-6500. |
