Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	{{boxInfoCashBack.aprInitial}} Introductory APR for 12 months from account opening. After that your APR will be {{boxInfoCashBack.aprPurchase}} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	{{boxInfoCashBack.aprInitial}} Introductory APR for 12 months from account opening. After that your APR will be {{boxInfoCashBack.aprPurchase}} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	{{boxInfoCashBack.aprCashAdvance}}
Penalty APR and When It Applies	{{boxInfoCashBack.aprPenalty}}. This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than {{boxInfoCashBack.minInterestCharge}}.
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 Viewhttp://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Transaction Fees
Balance Transfer Fees	{{boxInfoCashBack.introBalTransferFeePct}} of the amount of each balance transfer during the first 60 days following the opening of Your Account. After that, You will be charged a fee of {{boxInfoCashBack.transBalTransFeeAmt}} or {{boxInfoCashBack.transBalTransFeePct}} of the amount of the each balance transfer, whichever is greater
Cash Advance Fee	{{boxInfoCashBack.transCashAdvFeeAmt}} or {{boxInfoRewards.transCashAdvFeePct}} of the amount of the each cash advance, whichever is greater
Foreign Transaction Fee	{{boxInfoCashBack.transFgnTransFeePct}} of each transaction in U.S. dollars.
Penalty Fees
Late Payment Fee	Up to {{boxInfoCashBack.penLatePaymentFee}}
Over-the-Credit Limit Fee	{{boxInfoCashBack.penOverCreditLimitFee}}
Returned Payment Fee	Up To {{boxInfoCashBack.penRtnPmtFee}}

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to Your Account during the first 12 months following the opening of Your Account. The Introductory APR for balance transfers will apply during the first 12 months following the opening of Your Account. Balance transfers completed within the first 60 days of opening Your Account, will qualify for {{boxInfoCashBack.introBalTransferFeePct}} balance transfer fee and Introductory APR. Any existing balances on Landmark Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Application of Penalty APR:  Your APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment. If a minimum payment or any portion thereof is past due by more than 60 days, Your APR will increase to the Penalty APR as disclosed in the table under “Penalty APR and When it Applies.” This Penalty APR will be effective following any notice and waiting period required by law. The Penalty APR will remain on Your Account until Your Account has been paid on time as disclosed in the “Penalty APR and When it Applies” section and with no other event of default.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Effective Date: The information about the costs of the card described in this application is accurate as of: {{creditCardSharedInformation.cashBackDateUpdated}} This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa® Signature Cash Back is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov 

Other Fees & Disclosures: 
Late Payment Fee: {{boxInfoCashBack.latePmtFee}} or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Balance Transfer Fee (Finance Charge): {{boxInfoCashBack.introBalTransferFeePct}} of the amount of each balance transfer during the first 60 days following the opening of Your Account. After that, You will be charged a fee of {{boxInfoCashBack.balTransferFeeAmt}} or {{boxInfoCashBack.balTransferFeePct}} of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge): {{boxInfoCashBack.cashAdvanceFeeAmt}} or {{boxInfoCashBack.cashAdvanceFeePct}} of the amount of each cash advance, whichever is greater.

Returned Payment Fee: {{boxInfoCashBack.returnedPmtFee}} or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee: {{boxInfoCashBack.returnedConvenienceCheckFee}} or the amount of the returned convenience check, whichever is less.

Card Replacement Fee: {{boxInfoCashBack.cardReplacementFee}}.

Pay-by-Phone Fee: {{boxInfoCashBack.payByPhoneFee}}.

Statement Copy Fee: {{boxInfoCashBack.statementCopyFee}}.

Rush Card Fee: {{boxInfoCashBack.rushCardFee}}.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	{{boxInfoRewards.aprInitial}} Introductory APR for 12 months from account opening. After that your APR will be {{boxInfoRewards.aprPurchase}} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	{{boxInfoRewards.aprInitial}} Introductory APR for 12 months from account opening. After that your APR will be {{boxInfoRewards.aprPurchase}} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	{{boxInfoRewards.aprCashAdvance}}
Penalty APR and When It Applies	{{boxInfoRewards.aprPenalty}}. This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than {{boxInfoRewards.minInterestCharge}}.
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 Viewhttp://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Transaction Fees
Balance Transfer Fees	{{boxInfoRewards.introBalTransferFeePct}} of the amount of each balance transfer during the first 60 days following the opening of Your Account. After that, You will be charged a fee of {{boxInfoRewards.transBalTransFeeAmt}} or {{boxInfoRewards.transBalTransFeePct}} of the amount of the each balance transfer, whichever is greater
Cash Advance Fee	{{boxInfoRewards.transCashAdvFeeAmt}} or {{boxInfoRewards.transCashAdvFeePct}} of the amount of the each cash advance, whichever is greater
Foreign Transaction Fee	{{boxInfoRewards.transFgnTransFeePct}} of each transaction in U.S. dollars.
Penalty Fees
Late Payment Fee	Up to {{boxInfoRewards.penLatePaymentFee}}
Over-the-Credit Limit Fee	{{boxInfoRewards.penOverCreditLimitFee}}
Returned Payment Fee	Up To {{boxInfoRewards.penRtnPmtFee}}

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to Your Account during the first 12 months following the opening of Your Account. The Introductory APR for balance transfers will apply during the first 12 months following the opening of Your Account. Balance transfers completed within the first 60 days of opening Your Account, will qualify for {{boxInfoRewards.introBalTransferFeePct}} balance transfer fee and Introductory APR. Any existing balances on Landmark Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. If a minimum payment or any portion thereof is past due by more than 60 days, Your APR will increase to the Penalty APR as disclosed in the table under “Penalty APR and When it Applies.” This Penalty APR will be effective following any notice and waiting period required by law. The Penalty APR will remain on Your Account until Your Account has been paid on time as disclosed in the “Penalty APR and When it Applies” section and with no other event of default.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Effective Date: The information about the costs of the card described in this application is accurate as of: {{creditCardSharedInformation.rewardsDateUpdated}} This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Rewards Visa® is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov 

Other Fees & Disclosures: 
Late Payment Fee: {{boxInfoRewards.latePmtFee}} or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Balance Transfer Fee (Finance Charge): {{boxInfoRewards.introBalTransferFeePct}} of the amount of each balance transfer during the first 60 days following the opening of Your Account. After that, You will be charged a fee of {{boxInfoRewards.balTransferFeeAmt}} or {{boxInfoRewards.balTransferFeePct}} of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge): {{boxInfoRewards.cashAdvanceFeeAmt}} or {{boxInfoRewards.cashAdvanceFeePct}} of the amount of each cash advance, whichever is greater.

Returned Payment Fee: {{boxInfoRewards.returnedPmtFee}} or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee: {{boxInfoRewards.returnedConvenienceCheckFee}} or the amount of the returned convenience check, whichever is less.

Card Replacement Fee: {{boxInfoRewards.cardReplacementFee}}.

Pay-by-Phone Fee: {{boxInfoRewards.payByPhoneFee}}.

Statement Copy Fee: {{boxInfoRewards.statementCopyFee}}.

Rush Card Fee: {{boxInfoRewards.rushCardFee}}.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	{{boxInfoSecured.aprPurchase}}
APR for Balance Transfers	{{boxInfoSecured.aprTransfer}}
APR for Cash Advances	{{boxInfoSecured.aprCashAdvance}}
Penalty APR and When It Applies	{{boxInfoSecured.aprPenalty}} This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than {{boxInfoSecured.minInterestCharge}}.
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 Viewhttp://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	$25.00
Transaction Fees
Balance Transfer Fees	{{boxInfoSecured.transBalTransFeeAmt}} or {{boxInfoSecured.transBalTransFeePct}} of the amount of the each balance transfer, whichever is greater
Cash Advance Fee	{{boxInfoSecured.transCashAdvFeeAmt}} or {{boxInfoSecured.transCashAdvFeePct}} of the amount of the each cash advance, whichever is greater
Foreign Transaction Fee	{{boxInfoSecured.transFgnTransFeePct}} of each transaction in U.S. dollars.
Penalty Fees
Late Payment Fee	Up to {{boxInfoSecured.penLatePaymentFee}}
Over-the-Credit Limit Fee	{{boxInfoSecured.penOverCreditLimitFee}}
Returned Payment Fee	Up To {{boxInfoSecured.penRtnPmtFee}}

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Application of Penalty APR:  Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. If a minimum payment or any portion thereof is past due by more than 60 days, Your APR will increase to the Penalty APR as disclosed in the table under “Penalty APR and When it Applies.” This Penalty APR will be effective following any notice and waiting period required by law. The Penalty APR will remain on Your Account until Your Account has been paid on time as disclosed in the “Penalty APR and When it Applies” section and with no other event of default.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Effective Date: The information about the costs of the card described in this application is accurate as of: {{creditCardSharedInformation.securedDateUpdated}} This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Secured Visa® is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov 

Other Fees & Disclosures: 
Late Payment Fee: {{boxInfoSecured.latePmtFee}} or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Annual Fee: {{boxInfoSecured.annualFee}}.

Balance Transfer Fee (Finance Charge): {{boxInfoSecured.balTransferFeeAmt}} or {{boxInfoSecured.balTransferFeePct}} of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge): {{boxInfoSecured.cashAdvanceFeeAmt}} or {{boxInfoSecured.cashAdvanceFeePct}} of the amount of each cash advance, whichever is greater.

Returned Payment Fee: {{boxInfoSecured.returnedPmtFee}} or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee: {{boxInfoSecured.returnedConvenienceCheckFee}} or the amount of the returned convenience check, whichever is less.

Card Replacement Fee: {{boxInfoSecured.cardReplacementFee}}.

Pay-by-Phone Fee: {{boxInfoSecured.payByPhoneFee}}.

Statement Copy Fee: {{boxInfoSecured.statementCopyFee}}.

Rush Card Fee: {{boxInfoSecured.rushCardFee}}.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	{{boxInfoStudent.aprPurchase}} This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	{{boxInfoStudent.aprTransfer}} This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	{{boxInfoStudent.aprCashAdvance}}
Penalty APR and When It Applies	{{boxInfoStudent.aprPenalty}}. This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than {{boxInfoStudent.minInterestCharge}}.
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 Viewhttp://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Transaction Fees
Balance Transfer Fees	{{boxInfoStudent.transBalTransFeeAmt}} or {{boxInfoStudent.transBalTransFeePct}} of the amount of the each balance transfer, whichever is greater
Cash Advance Fee	{{boxInfoStudent.transCashAdvFeeAmt}} or {{boxInfoStudent.transCashAdvFeePct}} of the amount of the each cash advance, whichever is greater
Foreign Transaction Fee	{{boxInfoStudent.transFgnTransFeePct}} of each transaction in U.S. dollars.
Penalty Fees
Late Payment Fee	Up to {{boxInfoStudent.penLatePaymentFee}}
Over-the-Credit Limit Fee	{{boxInfoStudent.penOverCreditLimitFee}}
Returned Payment Fee	Up To {{boxInfoStudent.penRtnPmtFee}}

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:  Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. If a minimum payment or any portion thereof is past due by more than 60 days, Your APR will increase to the Penalty APR as disclosed in the table under “Penalty APR and When it Applies.” This Penalty APR will be effective following any notice and waiting period required by law. The Penalty APR will remain on Your Account until Your Account has been paid on time as disclosed in the “Penalty APR and When it Applies” section and with no other event of default.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Effective Date: The information about the costs of the card described in this application is accurate as of: {{creditCardSharedInformation.studentDateUpdated}} This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Student Rewards Visa® is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov 

Other Fees & Disclosures: 
Late Payment Fee: {{boxInfoStudent.latePmtFee}} or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Balance Transfer Fee (Finance Charge): {{boxInfoStudent.balTransferFeeAmt}} or {{boxInfoStudent.balTransferFeePct}} of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge): {{boxInfoStudent.cashAdvanceFeeAmt}} or {{boxInfoStudent.cashAdvanceFeePct}} of the amount of each cash advance, whichever is greater.

Returned Payment Fee: {{boxInfoStudent.returnedPmtFee}} or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee: {{boxInfoStudent.returnedConvenienceCheckFee}} or the amount of the returned convenience check, whichever is less.

Card Replacement Fee: {{boxInfoStudent.cardReplacementFee}}.

Pay-by-Phone Fee: {{boxInfoStudent.payByPhoneFee}}.

Statement Copy Fee: {{boxInfoStudent.statementCopyFee}}.

Rush Card Fee: {{boxInfoStudent.rushCardFee}}.