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Disclosure Information for Visa Gold (Putnam Federal Credit Union) Credit Card

Credit Card Rates Effective July 1, 2018

Interest Rates and Interest Charges Visa® Gold Fixed Rate
Annual Percentage Rate (APR) for Purchases

8.9% to 16.40%

APR for Balance Transfers 8.9% to 16.40%
APR for Cash Advances 8.9% to 16.40%
Penalty APR When It Applies None
Paying Interest Your due date is at least 25 days from 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 and balance transfers on the transaction date.
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
Transaction Fees Foreign Transaction Exchange Rate plus 1% of transaction
Penalty Fees Late Payment up to $30

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases, cash advances and balance transfers). See the Visa Credit Card Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate Credit Card Agreement and Truth-in-Lending Disclosure.