Annual Percentage Rate

(APR) for Purchases

 Visa Platinum  11.25%  

Visa Gold 7.90%-12.90%

 Visa Classic 17.75% Visa Share Pledge 7.90%

Other APR's

 Cash Advance APR  11.25% Cash Advance APR 7.90%-12.90%

Cash Advance APR 17.75%

Cash Advance APR    7.90%

Variable Rate Information

Your APR may vary. The rate for purchases and cash advances is determined by adding 3.00% to the Prime Rate reported by the Wall Street Journal

 N/A

Your APR may vary. The rate for purchases and cash advances is determined by adding  9.5% to the Prime Rate reported by the Wall Street Journal

 Your APR may vary. The rate for purchases  and cash advances is determined by adding 5% to the last declared regular share dividend.

Grace Period for Purchases

 25 Days 25 Days 25 Days 25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (Including New Purchases)

Average Daily Balance (Including New Purchases)

Average Daily Balance (Including New Purchases)

Average Daily Balance (Including New Purchases)

Annual Fee

 None None None None

Minimum Finance Charge

 None None None None

Transaction Fee for Purchases . . . . . . . . .. None

Late Payment Fee . . . . . . . . . . . . . . . . ..$10.00

Over -the-Credit Limit Fee . . . . . . . . . . . $5.00**

*The rate you receive will depend on your credit history.

 ** A charge of 5.00 will be added to your account anytime a purchase or cash advance causes your balance to exceed your credit limit by 4%.

The information about the costs of the cards described in this disclosure is accurate as of 11/2004.  This information may have changed after that date.  To find out what may have changed, contact the credit union at 225-408-6100 or 800-351-4877.

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