Disclosures

1. Annual Percentage Rates (APR) are variable and based on the Prime Rate, to which we apply a margin. Secured Visa cards use a fixed credit tier. Rates are capped at 18.00% APR, will not exceed the maximum rate permitted by law, and may change quarterly.

2. Credit card approval and terms are subject to underwriting criteria and applicable membership requirements. For Visa Classic and Visa Platinum cards, APRs are based on your creditworthiness, and credit limits are determined based on factors such as your income, credit profile, and ability to repay. Secured Visa cards use a fixed credit tier, and credit limits are based on the amount of the pledged deposit. Not all applicants will qualify for the highest credit limit.

3. OAS FCU does not charge foreign transaction fees. Currency conversion is generally performed by Visa using an exchange rate available at the time of authorization or processing of the transaction. The rate applied may differ from rates shown in Visa’s exchange rate calculator and may vary based on transaction timing. If a merchant or ATM operator performs the currency conversion, Visa’s exchange rate may not apply.

4. Visa’s Zero Liability policy covers U.S.-issued cards and applies to unauthorized transactions processed by Visa. It does not apply to ATM transactions, PIN-based transactions not processed by Visa, or certain commercial card transactions. You must notify the Credit Union promptly of any unauthorized use of your card. For additional details, visit www.visa.com/security.

5. A 2.25% introductory APR applies to balance transfers posted to new credit card accounts during the first 12 billing cycles following account opening. After the introductory period, balance transfers are subject to the standard variable APR based on creditworthiness and the Prime Rate, as disclosed in the Consumer Credit Card Agreement and on the Rates page. Interest on purchases and cash advances accrues at the standard variable APR. The introductory balance transfer APR may be discontinued and the standard variable APR applied if the account becomes 60 days past due. No balance transfer fee applies during promotional period or thereafter. Membership eligibility required.

6. Authorized users must meet Credit Union membership eligibility requirements, may use the account, and do not have ownership rights. No separate credit application is required for authorized users. The primary cardholder remains fully responsible for all charges and repayments.

7. Payment methods and processing times may vary based on third-party service providers and payment networks.