Del Norte Credit Union Credit Card Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash Advances	Visa® Platinum 9.90%	Visa® Classic 11.90%	MasterCard® 11.90%
Penalty APR and When it Applies	None
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 any interest on purchases if you pay your entire balance by the due date of each month.
Minimum Finance Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Fees
Annual Fee/ Set-up and Maintenance Fees	None
Transaction Fees Balance Transfer None Cash Advance None Foreign Transaction 1% of each transaction in U.S. dollars
Penalty Fees Late Payment $25.00 Returned Payment $25.00 Over-the-Credit Limit None

How We Will Calculate Your Balance:  We use a method called “average daily balance" (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.