Business Visa® Disclosure | Bay Area, CA Credit Card Fees

Annual Percentage Rate (APR) for Purchases

15.25% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

15.25% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

15.25% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

Fees

Effective Date: 2/1/26
Account Description	Fee
Annual fees	None
Transaction Fees
Balance Transfer Fee	None
Cash Advance Fee	None
Foreign Transaction Fee	None
Penalty Fees
Late Payment Fee	Up to $7.00
Returned Convenience Check Fee	Up to $25.00
Return Payment Fee	Up to $20.00

How we will calculate your balance:

We use a method called “average daily balance (including new purchases).”

Effective Date:

The information about the costs of the card described in this application is accurate as of: 2/1/26 This information may have changed after that date. To find out what may have changed, contact the Credit Union at 888.723.7328.

Other Fees & Disclosures:

Late Payment Fee: $7.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.
Over-the-Credit Limit Fee: $0.00.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less.
Document Copy Fee: $12.00.
Rush Fee: $45.00.

Business Visa^® Application and Solicitation Disclosure

Business Rewards Credit Card Interest Rate and Interest Charges

Fees

How we will calculate your balance:

Effective Date:

Other Fees & Disclosures:

Business Visa® Application and Solicitation Disclosure

Business Rewards Credit Card Interest Rate and Interest Charges

Fees

How we will calculate your balance:

Effective Date:

Other Fees & Disclosures:

Business Visa^® Application and Solicitation Disclosure