Idahy Federal Credit Union


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VISA Credit Card Features

Accepted Worldwide
Competitive fixed loan rate
No loan origination fees
No pre-payment penalties
No annual fee
$250,000 Travel Insurance (Certain Terms & Conditions Apply)
Can have more than one card per account
Cash advance available by phone, finance charges begin the day of the advance
Payments can be made by Autopay (Online form), mail, idahy@home, or brought into Idahy
Can access Visa ATM machines (Machines must be marked with "Visa" logo)
Statements mailed monthly on active accounts
Payments of 3.5% of balance or $15.00 minimum Visa credit limits range from $500 - $15,000
25-day grace period for purchases
Can view recent Visa activity online through ezcardinfo.com (if you do not login within 180 days of your last login date, you will need to re-register with ezcardinfo.com for online access)

VISA Credit Card Disclosure
Annual Percentage Rate	13.9% (Periodic rate used to compute the Finance Charge is 1.158% per month.)
Grace Period	Purchases - 25 days Cash Advances - Finance charge may begin to accrue on the date of the cash advance.
Method of Computing the Balance	Average Daily Balance Method (including current transactions).
Annual Fee	NONE
Minimum Finance Charge	NONE
Transaction Fee for Purchases	NONE
Other Charges	Over-the-Credit-Limit Fee - $10.00 Late Payment Fee - $15.00 Returned Check Fee - $15.00 Collection Costs - See VISA Agreement The minimum payment is 3.50% of your Total New Balance but not less than $15.00 PLUS the amount of any prior minimum payments that you have not paid.

VISA Debit Card Features

Safer than cash
Takes less time than writing a check
Worldwide acceptance
No interest or finance charges
Easy record keeping
Unlimited point-of-sale purchase each month with no fee
Up to 5 ATM withdrawals per month with no fee
Cost: $4.00 (cards expire every 2 years)
Debit transactions do not count toward the monthly checking account activity fee
Member must be approved through normal loan guidelines for a $100 minimum line-of-credit limit- Apply Online
Member must have an open checking account