Credit Card Disclosures
Effective July 1, 2011

Credit Disclosures

CREDIT DISCLOSURE	VISA CLASSIC
Annual Percentage Rate (APR) for purchases	9.99%
Grace period for repayment of balances for purchases	You have 25 days to repay your balance for purchases before being charged a finance charge.
Method of computing the balance for purchases	Average Daily Balance (including new transactions)
Annual Membership Fee	None
Minimum Finance Charge	$.50
Transaction fee for purchases	None
Transaction fee for cash advances	None (there is no grace period for cash advances -interest will start accumulating immediately after transaction)

Late Payment Fee

$10.00

Fee Disclosure
Effective July 1, 2011 

Fee Disclosure

Membership Entrance Fee	$5.00
Monthly Membership Fee	$5.00 (to avoid this fee you must maintain a balance of $100.00)
Check Cashing Fee	$5.00 (to avoid this fee you must maintain a balance of $50.00)
Teller Check	$1.00 for checks under $500.00 Free for checks over $500.00
Cashier Check	$3.00 per check
Address Change Failure	$5.00 per account
Replace lost Debit/Credit Card	$25.00
Money Orders	$1.25 per item $  .75 for 55 Club per item
NSF Fee	$25.00 per item
NSF Fee for ATM/Debit items	$25.00 per item
Deposited checks returned unpaid	$5.00 per item
Outgoing Wire Fee	$10.00 Domestic Only
Stop Payment Single or Recurring	$10.00 per item
Account History	$1.00 per page for printouts $3.00 per copied statement