Credit Card Disclosures

Disclosure Table for SF Police Credit Union Visa® Secured and Unsecured Credit Cards

Interest Rates and Interest Charges

Promotional Annual Percentage Rate (APR) for Balance Transfers

Platinum and Share Secured Visa®:

.60% APR

for 6 months from date of balance transfer completion.

After this promotion period, your APR will be 9.25% to 18.00%, based on creditworthiness. This APR will vary

with the market based on the Prime Rate. Offer valid October 15 - December 15, 2013.

Standard Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash

Platinum and Affinity Visa®:

9.25% - 18.00% Variable APR 

Variable APR based on your creditworthiness and may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition ("Index").

Share-Secured Visa®:

7.50% Fixed APR


Penalty APR 


How to Avoid Paying
Interest on Purchases

You have 25 days to repay your balance on purchases before a finance
charge is imposed.

Minimum Interest Charge 


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



Set Up and Maintenance Fee
- Annual Fee


Transaction Fees 

    - Balance Transfer


    - Cash Advance


    - Foreign Transaction

1% of foreign transactions in US Dollars 

Penalty Fees 

    - Late Payment


    - Over-the-credit Limit


    - Returned Payment


Other Fees 

    - Required Insurance


How We Will Calculate Your Balance: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Visa promotional offer valid 10/15/13 12/15/13. *APR=Annual Percentage Rate. The promotional rate of .60% APR is only valid on balance transfers made during promotional period and is good for 6 months from date of balance transfer completion. Subject to additional terms and conditions, complete disclosures available at
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