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Loan Application Disclosure
Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant section about yourself and the Co-Applicant section about your spouse if:
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You live in or the property pledged as collateral is located in a community property state
(AZ, CA, ID, LA, NM, NV, TX, WA, WI),
- Your spouse will use the account, or
- You are relying on your spouse's income as a basis for repayment.
If you are relying on income from alimony, child support or separate maintenance, complete the Co-Applicant section to the extent possible about the person on whose payments you are relying.
If you are applying for Joint Credit with another person, complete the Applicant and Co-Applicant sections. If you are a Wisconsin resident and are applying for Joint Credit with someone other than your spouse, each of you should complete the Applicant section of separate applications. If either or both of you are married, you must also provide information about your spouse.
VISA PLATINUM REWARDS DISCLOSURE
Effective December 7, 2009
| Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases
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6.9% introductory APR for the first six months for new accounts.*
For all other accounts, and after the first six months for new accounts, the current APR is 8.5% to 14.5% based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. For new accounts, see your Account Opening Letter for the APR applicable to your account.
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APR for Balance Transfers and Convenience Checks
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6.9% introductory APR for first six months for new accounts.*
For all other accounts, and after the first six months for new accounts, the current APR is 8.5 to 14.5%, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.** For new accounts, see your Account Opening Letter for the APR applicable to your account.
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APR for Cash Advances
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8.5 to 14.5% currently, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.** For new accounts, see your Account Opening Letter for the APR applicable to your account.
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Penalty APR and When it Applies
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None.
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How to Avoid Paying Interest on Purchases
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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 each month. We will begin charging interest on cash advances, balance transfers and convenience checks on the post date.
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Minimum Interest Charge
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None.
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| For Credit-Card Tips from the Federal Reserve Board |
FederalTo 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.federalreserveboard.gov/creditcarard
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| Fees |
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| Annual fee |
None. |
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Transaction Fees
- Balance Transfer
- Cash Advance
- Foreign Transaction
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None.
None.
1% of each transaction
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Penalty Fees
- Late Payment
- Over-the-Credit Limit
- Returned Payment |
5% of the past due amount or $10, whichever is greater
None.
$24. |
How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new purchases).” See your account agreement for more details.
*Introductory APR: The Introductory APR is not applicable to balance transfers and convenience checks to HSFCU accounts.
**Variable APR: The standard APR for your account is based on an index plus a margin. The margin is shown in your Account Opening Letter. The index is the US Prime Rate published in the Wall Street Journal. We will use the most recent index available as of ten (10) days before the end of the calendar quarter. We will adjust your standard APR if the index differs by at least 100 basis points, up or down, frmo the index last used to establish your standard APR. The adjusted standard APR will be effective as of the start of the statement period of the first month of the new calendar quarter (January, April, July and October).
Application of Payments: Subject to applicable law, the Credit Union may apply your minimum payments in the manner that it chooses. E.g., the Credit Union may apply your minimum payments to transactions with lower APRs before transactions with higher APRs.
New York: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees and grace periods.
Current Information: This information is accurate as of December 7, 2009, and is subject to change after that date. Please write to Hawaii State Federal Credit Union, P.O. Box 3072, Honolulu, HI 96802-3072, or call 587-2700 (Oahu) or 1-888-586-1056 toll-Free from Continental U.S. & Neighbor Islands for any changes to this information.
NOTICE TO WISCONSIN RESIDENTS: No provision of any marital property agreement, unilateral statement under S.766.59, or court decree under S.766.70 will adversely affect the rights of the credit union unless the credit union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened.
If you are applying for this account or loan with someone other than your spouse, you agree that the credit applied for, if granted, will be incurred in the interest of the marriage or family.
You promise that everything you have stated in this request is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter. You authorize the credit union to obtain credit reports in connection with this request. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on requests made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. You understand that the credit union will rely on the information in the request and your credit report to make its decision. You agree to the terms of the Credit Card Agreement which will be sent with the card and you agree to pay all charges incurred in accordance with the terms of that Agreement.
By submitting this loan request, you agree that the information is correct to the best of your knowledge. You also agree to notify us of any changes to your name, address or employment.
You authorize the credit union to obtain credit reports with this request.
© CUNA MUTUAL INSURANCE SOCIETY, 1980, 82, 84, 86, 89. ALL RIGHTS RESERVED CSLTR1 6857 - Internet Loan Request
I have read the above disclosure information and ACCEPT
I have read the above disclosure information and DO NOT ACCEPT
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