Loan Disclosures - FirstCity Credit Union : FirstCity Credit Union

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Payment Estimates, Disclosures, APR* Definition

Auto Loan Payment Estimates and Disclosure
*APR=Annual Percentage Rate.
Rates and programs subject to change. Other conditions may apply.
Lowest possible rate is shown, your rate may vary. Credit approval is required.

Personal Loan Payment Estimates and Disclosure
On a $2,500, 36 month loan with a 10.74% APR=$82 per month
Maximum personal loan allowed, including combined Personal Loan balance and Visa Credit Card available credit is $30,000.
*APR=Annual Percentage Rate

Recreational Vehicle Payment Estimates
*APR=Annual Percentage Rate. Loan payment estimate example: on a $100,000, 84-month loan with a 7.25% APR = $1,522; on a $75,000, 120-month loan with a 9.25% APR = $961.

Visa Rates

VISA Disclosure
Interest Rates and Interest Charges
	VISA		Share-Secured Visa
	as low as	up to
Annual Percentage Rate (APR) for Purchases	12.50%	18.00%	9.50%
APR for Balance Transfers	12.50%	18.00%	9.50%
APR for Cash Advances	12.50%	18.00%	9.50%
		APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.	This APR will vary with the market based on the Prime Rate.
Penalty APR	None
Grace Period for Repaying the Balance	You will have twenty-five (25) days from the statement date to pay your entire new balance in full to avoid FINANCE CHARGES on new purchases. There is no grace period for cash advances and checking overdrafts.
Minimum Interest Charge	There is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

VISA Credit Card Fee Disclosure
Transaction Fees
	Foreign Transactions	1.00% of each foreign currency transaction in U.S. Dollars
		1.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
	Returned Payment		$31.00
	Late Payment		$10.00
How We Will Calculate Your Balance:	We use a method called "Average daily balance including new purchases." See Your Account Agreement for details.
Billing Rights:	Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

Skip-A-Payment Disclosure
*There is a $30 fee for each payment skipped. 1 skip available per calendar year. Interest will accrue during the period the payment is skipped. Credit cards, deposit-secured loans, and real estate loans do not qualify. Other conditions apply: see the Terms and Conditions form provided when the Skip-A-Payment is requested. To request Skip-A-Payment, call (800) 944-2200, ext. 9, or stop by any First City branch. You can also request a Skip-A-Payment within the Account Access function of the FirstCitylink online banking service.

Skip-A-Payment Disclosure

*There is a $30 fee for each payment skipped. 1 skip available per calendar year. Interest will accrue during the period the payment is skipped. Credit cards, deposit-secured loans, and real estate loans do not qualify. Other conditions apply: see the Terms and Conditions form provided when the Skip-A-Payment is requested. To request Skip-A-Payment, call (800) 944-2200, ext. 9, or stop by any First City branch. You can also request a Skip-A-Payment within the Account Access function of the FirstCitylink online banking service.

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