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VISA Rates

Credit Cards
Effective Date: Friday, September 3rd, 2010
Card Type	Minimum Payment	Variable APR*
VISA Classic	3% of Balance	14.99%
VISA Gold	3% of Balance	12.99%
VISA Platinum	2% of Balance	9.99%
C.A.R.E. VISA	3% of Balance	14.99%
Diamond Business VISA	3% of Balance	12.99%
* Variable rate information: Annual Percentage Rates (APR) are determined monthly by adding 6.74% for Platinum, 9.74% for Gold, and 11.74% for Classic to the Prime Rate as published in the Wall Street Journal on the last business day of the previous month. The APR will never go below 10.99% for VISA Classic, 9.99% for VISA Gold, and 6.99% for VISA Platinum. Rate changes will take effect the first day of your next billing cycle.

IMPORTANT INFORMATION
Grace period for repayment for purchases	25 Days
Method of computing the balance for purchases	Average daily balance including new purchases
Annual fee	None
Late pay fee	$25 if payment is received 10 days after payment is due
Over limit fee	$25 each month you are 5% or more over your authorized limit
The information about the costs of the card(s) described in this offer are accurate as of 06/01/2009. This information may change after that date. To find out what may have changed, call us at 888-982-1400 or write us at: United Federal Credit Union, 2807 S. State Street, St. Joseph, MI 49085. A $10 replacement fee may apply for lost cards. The Prime Rate used to determine your APR is the rate published in The Wall Street Journal on the last business day of the prior month. A rate change will take effect the first day of your next billing cycle. The APR will never go below 10.99% for VISA Classic, 9.99% for VISA Gold, and 6.99% for VISA Platinum.