TruWest Visa^® Signature Card

¹Subject to program terms and conditions. Visit truwest.org/visaterms for further information.

²APR is Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. Intro APR is 0% for 18 billing cycles (intro period) from the date of account opening on purchase and balance transfers. Intro APR does not apply to cash advances. Balance transfer restrictions apply and a 3% balance transfer fee applies for the amount of each transfer. Additional terms and conditions apply. After the intro period ends, the standard variable APR for Purchase and Balance Transfers will be applied to any unpaid balances remaining. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable APR is between 10.70% and 25.75%. Card type and APR determined by borrower’s credit score. Intro rate is valid only for purchases or balance transfers from other credit card companies, financial institutions, or department store credit cards. Promotion offered only for new TruWest credit cards and does not apply to increases, conversions, or re-opening of a closed credit card. Transfers from current TruWest Visa^® cards, loans, or lines of credit are not eligible for intro interest rate offer. Information is accurate as of October 3, 2024 and subject to change. Cannot be combined with other offers. Offer, program, rates, terms, and conditions subject to change without notice.

³No Annual Fee. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign transaction fees 1.00% of the amount of the transaction in U.S. dollars.

⁴Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify TruWest^® Credit Union immediately of any unauthorized use. Terms and conditions apply. Contact TruWest Credit Union for more details.

⁵APR = Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. The APR may vary. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable purchase and balance transfer APR is between 10.70% and 25.75% depending on card type. Card type and APR determined by borrower’s credit score. Information is accurate as of 10/3/2024. No Annual Fees. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign fees: 1% of the amount of the transaction. Cannot be combined with other offers. Offer, program, rates, terms, and conditions are subject to change.

⁶TruWest Credit Union Visa^® Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

⁷Cardholder is responsible for charges made by any authorized user. Offer subject to change. Terms and conditions apply.

⁸Receive $100 in the form of a statement credit after $100 in purchases have been made on the card within 90 days of account opening. Must qualify for reward earning credit card to receive this offer. Must not have had a TruWest Visa credit card in the last 12 months.

Visa^® is a registered trademark of VISA U.S.A. Inc.