VISA Credit Cards

VISA Credit Cards

Today is

Importance Notice for Visa Scorecard Program Users

March 1, 2008 - All cardholders wishing to maintain the Scorecard Bonus Point program on their Rock Valley Credit Union Visa will be assessed a $35 Annual Fee during the anniversary month in which the account was opened. If you wish to eliminate the Scorecard program to avoid an annual fee you must do so in writing. Mail requests to 1201 Clifford Ave., Loves Park, IL 61111 Attn: Lisa

Classic

Maximum line of credit is $5,000.00

**$500 line of credit for college students. No co-maker (guarantor) required. Some restrictions apply**

Gold

Maximum line of credit is $13,500.00

Platinum Plus

Maximum line of credit is $15,000.00

Platinum

Maximum line of credit is $15,000.00

Share Secured

For individuals trying to re-establish credit. Funds in a savings account or share certificate are used as collateral or security on the loan.

Annual fee of $20.00. Maximum line of credit is $5,000.00

Scorecard Bonus Point Program is available with our VISA Classic, Gold and Platinum Plus Credit Cards for an annual fee of $35. Earn bonus points for gifts and travel when you use your RVFCU VISA Card.

Toll free VISA Credit Card phone number for account information and lost/stolen card reporting:

1-800-322-8472

Make your Visa Payment and check your account information online! Click Here

*Annual summary statement of activity

Annual Percentage Rate (APR) for Purchases	Visa Platinum 7.99% Visa Platinum Plus 9.99% Visa Gold 10.99% Visa Classic 12.84%
Other APRs	Cash Advance and Balance Transfer Visa Platinum................7.99% Visa Platinum Plus.......9.99% Visa Gold......................12.84% Visa Classic ................13.92% Penalty Rate Visa Platinum .............18.00%* Visa Platinum Plus ... 18.00%* Visa Gold......................18.00%* Visa Classic.................18.00%*
Method of computing the balance for purchases	Average Daily Balance (Including New Purchases)
Grace Period for Purchases	25 Days
Annual Fee	None (Without Bonus Point Program) $35.00 (With Bonus Point Program)
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee............................ 1% Foreign Transaction Fee............................0.8% Balance Transfer Fee..............................$ 5.00 Late Payment Fee..................................$30.00 Over-the-Credit-Limit Fee.......................$30.00
* when 60 days delinquent in making payment ** currently a 1.0% fee is assessed only on international transactions when a currency conversion occurs. This fee is unchanged, effective April 1, 2008, Visa will also impose a 0.8% fee on foreign transactions where a currency conversion is not performed.
The information about the costs of the card described in this application is accurate as of 2/2008. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

*The rate of 18% will apply to your account if the following occurs three times within a 12 month period of time: on any closing date the required minimum monthly payments due for two consecutive billing periods have not been paid and the account is 30 days or more past due.
*The rate of 18% will apply to your account if the following occurs one time within a 12 month period of time: on any closing date the required minimum monthly payments due for three consecutive billing periods have not been paid and the account is 60 days or more days due.
To maintain eligibility for a no annual fee Visa, you must initiate at least two card transactions in each calendar year (January 1st - December 31st).

Main Office
1201 Clifford Ave.
Loves Park, IL 61111
Ph. 815-877-0441
Fax 815-877-8201

Lobby:

Mon, Wed, Thur	9:00am - 5:00pm
Tuesday	10:00am - 5:00pm
Friday	9:00am - 6:00pm
Saturday	8:30am - 12:30pm

Drive-Thru:

Mon, Wed, Thur	7:30am - 5:30pm
Tuesday	7:30am - 5:30pm
Friday	7:30am - 6:00pm
Saturday	8:30am - 12:30pm

Branch Office
1054 N. Lincoln Hwy.
Rochelle, IL 61068
Ph. 815-562-7036
Fax 815-562-4815

Lobby:

Mon, Wed, Thur	9:00am - 5:00pm
Tuesday	10:00am - 5:00pm
Friday	9:00am - 5:00pm
Saturday	8:30am - 12:30pm

Drive-Thru:

Mon, Wed, Thur	8:00am - 5:30pm
Tuesday	8:00am - 5:30pm
Friday	9:00am - 6:00pm
Saturday	8:30am - 12:30pm

Branch Office
11280 Forest Hills Rd
Machesney Park, IL 61115
Ph. (815) 633-5150
Fax (815) 633-5972

Lobby:

Mon, Wed, Thur	9:00am - 5:00pm
Tuesday	10:00am - 5:00pm
Friday	9:00am - 6:00pm
Saturday	8:30am - 12:30pm

Drive-Thru:

Mon, Wed, Thur	7:30am - 5:30pm
Tuesday	7:30am - 5:30pm
Friday	7:30am - 6:00pm
Saturday	8:30am - 12:30pm