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Credit Card Disclosures


Interest Rates and Interest Charges

Cash Back Visa Signature® and Cash Back Visa Business Signature® Low-Rate Visa Traditional and Low-Rate Visa Business Traditional
Annual Percentage Rate
(APR) for Purchases
16.25% APR.* This APR will vary with the market based on the Prime Rate. 13.25% APR.* This APR will vary with the market based on the Prime Rate.
APR for Balance
16.25% APR.* This APR will vary with the market based on the Prime Rate. 13.25% APR.* This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 16.25% APR.* This APR will vary with the market based on the Prime Rate. 13.25 % APR.* This APR will vary with the market based on the Prime Rate.
Penalty APR and
When it Applies
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 six consecutive minimum payments when due.
Paying Interest Your due date is at least 28 days after 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.
Minimum Interest Charge None
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
Annual Fee
- Annual Fee
Transaction Fees
- Foreign Transaction Fee
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit-Limit Fee
- Returned Payment Fee

Up to $29.00
Up to $29.00
Up to $29.00

How we will calculate your balance: We use a method called Average Daily Balance (including new transactions). See your account agreement for more details. Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

*APR = Annual Percentage Rate. Payments will be credited to balances with the highest applicable APR first. Maximum interest rate is 18.00%. Minimum loan amount is $300. Eligibility is based on credit history and proof of income. Must be a member in good standing.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

Terms and Conditions: I understand that my credit line will be established based on my income, employment and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet the requirements or if I am not a member in good standing, Kalsee Credit Union may choose to not issue a credit card.
I agree that you, your affiliates, agents and service providers may monitor and record telephone calls regarding my account to ensure the quality of your service or for other reasons. I also expressly consent and agree to you, your affiliates, agents and service providers using written, electronic or verbal means to contact me as the law allows. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone
dialing systems. I agree you, your affiliates, agents and service providers may do so using any email address or any telephone number I provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether I incur charges as a result.

By signing this contract, you agree that Kalsee Credit Union has a security interest, pledge, in all present and future shares and deposits with us. To the extent in which you have a right to withdraw those sums for your personal use, the credit union may transfer from any deposit account to your Visa account if you are delinquent or otherwise in default. In addition, collateral securing your other loans with the credit union account(s) will also secure credit extended under this agreement. If you withdraw all your shares, you are no longer a member of the credit union and may not receive any more advances under this agreement.

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How Do I...

Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Call 866-550-1671.
We offer several convenient options for making your loan payment. Learn more.
KALSEE Credit Union offers Comprehensive Identity Theft Protection for members and their families for only $2.00/month. Learn more about ID Protect.

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