United VISA® – “The Best”
No Annual Fee, High Limits, Low Interest Rates, Excellent Terms

• Around the clock fraud protection

• Privacy protected.  United will not sell your name to other companies.

• Credit Life insurance at a nominal cost.

• Worldwide acceptance.

• Verified by VISA®.

Classic – credit limit up to $5,000, if you qualify

Gold – credit limit up to $10,000,  if you qualify

Platinum – credit limit up to $20,000, if you qualify

1The Introductory APR offer for the Platinum Credit Card of 0.0% on purchases only through your first six statement Closing Dates or earlier if your payment is late; after that 10.9% (0.2986% daily periodic rate) is applicable.  The Introductory APR offer is effective upon opening your account and is not applicable to Bank and ATM Cash Advances or Balance Transfers.  When your minimum monthly payment is late (i.e. not received by 10:00 a.m. CST on its Payment Due Date), or when the Introductory APR expires, the non-introductory APR is applied to outstanding balance as of the first day of the billing cycle in which the payment was late or not received.

The non-introductory offer may change.  United Credit Union allocates you payments to balances (including new transactions) with lower APRs before balances with higher APRs.

** The Annual Percentage is calculated with Single Credit Life Insurance premium added to the outstanding loan balance at the end of the billing closing date.  The APR will be adjusted as follows: Classic Card 17.18%; Gold 15.69% and Platinum 11.59%.

Notice to Applicants Living in Wisconsin:  No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes, or court order section 766.70 adversely affects the interest of United Credit Union unless United Credit Union is furnished a copy of the agreement, statement, order, or has actual knowledge of the adverse provision before opening the requested account.  If your spouse lives at another address, please send that information to United on a separate piece of paper.

Ohio Residents:  The Ohio law against discrimination requires that all creditors make credit equally available to all credit worthy customers, and that the credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.  Sec4112.021 (B)(I)(g) Ohio rev Code.

California Residents:  Applicants: 1) may, after credit approval, use the credit card account up to its credit line; 2) may be liable for amounts extended under the plan to any joint account.  As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

New York and Vermont Residents:  Upon your request, we will inform you of the name and address of each credit reporting agency from which we obtained a credit report relating to you.  New York residents may request a comparative listing of credit card rates, fee and grace periods by writing to: Public Information, New York State Banking Department, 2 Rector Street, New York, NY 10006-1894 or calling 1-800-522-3330.

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