VISA® CREDIT CARDS

CREDIT CARDOPTIONS

Visa Classic

Visa Gold

Visa Platinum

Visa Share Secured

Engage Rewards

Visa Signature

Annual Fee No Fee No Fee No Fee No Fee No Fee

Credit Limit6

(maximum) $4,999 $14,999 $50,000 $2,500 $50,000

Overdraft Protection Offered5,6

Debt Protection

Warranty Manager Service

Travel and EmergencyAssistance

Optional Optional Optional Optional Optional

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

TravelAccident Insurance

Auto Rental Collision Damage Waiver

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

Notoffered

PersonalIdentity Theft Protection

Rewards Program

(Fixed and Variable) (Fixed) (Variable) Rates

1Requires a separate security agreement. To secure your obligation, you grant us a security interest in your deposit account at the Credit Union, under a Visa® Account Pledge of Shares agreement that you have signed. The agreement is incorporated into and made part of the Credit Card Disclosure and Agreement.

2APR = Annual Percentage Rate. “As low as” rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Your rate may vary. Qualification is based on credit history, debt, and the ability to repay. All loans subject to credit approval.

3APR for Introductory rate is discounted 4.00% less than your approved UNIFY Fixed-Rate Visa Credit Card APR on purchase transactions. Introductory rate promotion applicable to fixed-rate cards only. After the sixth billing statement, the rate will revert to your approved contract APR and be charged to any remaining unpaid balance and future purchases. Promotion may end at any time. Not valid with other offers.

4APR for balance transfers is discounted 4.00% less than your approved UNIFY Fixed-Rate Visa Credit Card APR on balance transfers from other creditors to your new UNIFY Fixed-Rate Visa Credit Card via UNIFY eBanking or a UNIFY representative. Interest is charged at the discounted rate from the balance transfer transaction date through the first 12 consecutive billing cycles following the transfer. After the 12th billing statement, the rate will revert to your approved contract APR and be charged to any remaining unpaid balance. Minimum balance transfer amount is $500. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Promotion may end at any time. Not valid with other offers.

5An overdraft protection transfer made from your credit card to your checking account will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full.

6The Credit Union may delay replenishing your credit limit following a payment until the date the payment is posted or the Credit Union confirms the payment has cleared. This delay may result in declined transactions, or in the case of overdraft protection for checking, returned items which may result additional fees.

See UNIFY’s Visa Credit Card Disclosure and Agreement for full details.

UNIFY membership required.

Membership eligibility and account qualification requirements apply.

UNIFY is an equal opportunity lender.

(04/

20)

APPLY TODAY!ONLINE UnifyFCU.comBRANCH UnifyFCU.com for locationsPHONE 877.254.9328, available 24/7

CONNECT YOUR WAY®

UnifyFCU.com | 877.254.9328

C L A S S I C GO LD P L AT I N UM

ENGAG ER EWARD S

D E B I T

B U S I N E S SP L AT I N UM

FEATUREDBENEFITS

C L A S S I C GO LD P L AT I N UM

ENGAG ER EWARD S

D E B I T

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Information about the costs of these cards is accurate as of April 1, 2020 and subject to change after this date without notice. To find out what may have changed, visit us online at UnifyFCU.com or phone 877.254.9328.

How We Will Calculate Your Balance: We use a method called “average daily balance,” including new purchases.

VARIABLE-RATE VISA CREDIT CARD

• Low Variable Rate—as low as 8.99% APR2

• NO Annual Fee

FIXED-RATE VISA CREDIT CARD

• Low Introductory Rate

• Low Balance Transfer Rate

• NO Cash Advance Fee or Balance Transfer Fee

• NO Annual Fee

ENGAGE REWARDS VISA CREDIT CARD

Many point redemption options:

• TRAVEL – FREE from restrictions

• MERCHANDISE – Choose from hundreds of popular items

• CASH BACK and GIFT CARDS

NO Annual Fee

VISA® FIXED-RATE CARD(CLASSIC, GOLD & PLATINUM)

VARIABLE-RATE VISA® CREDIT CARD

(CLASSIC, GOLD AND PLATINUM)

ENGAGE REWARDS VISA® SIGNATURE CREDIT CARD

VISA® SHARE SECURED CARD1

INTEREST RATES AND CHARGES

Annual Percentage Rate (APR) for Purchases²9.49% - 17.99%

Rate that applies aft er the Introductory APR. The APR you receive is based onyour creditworthiness.

8.99% - 17.49%The APR you receive is based on your creditworthiness, and will vary with the market based on the Prime Rate plus a margin.*

10.99% - 17.49%The APR you receive is based on your creditworthiness, and will vary with the market based on the Prime Rate plus a margin.*

11.49%

Introductory APR for Purchases³

5.49% - 13.99%Introductory rate valid for fi rst six months (statements) loan is open.Beginning with seventh month,interest rate reverts back to the disclosed APR for Purchases.

N/A N/A N/A

Introductory APR for Balance Transfers⁴

5.49% - 13.99%Discount rate valid for fi rst 12 months (statements) following advance. Beginning on 13th month, any unpaid balance reverts to the disclosed APR for Purchases.

N/A N/A N/A

APR for Cash Advances⁵9.49% - 17.99%

Same as your APR for Purchase8.99% - 17.49%

The APR you receive is based on your creditworthiness, and will vary with the market based on the Prime Rate plus a margin.*

10.99% - 17.49%The APR you receive is based on your creditworthiness, and will vary with the market based on the Prime Rate plus a margin.*

11.49%

Grace Period Your due date is at least 25 days aft er 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 you interest on cash advances and balance transfers on the transaction date.

FEESAnnual Fee No Fee No Fee No Fee No Fee

Transaction Fee for Purchases No Fee No Fee No Fee No Fee

Transaction Fee for Cash Advances and Balance Transfers No Fee No Fee No Fee No Fee

Late Payment FeeUp to $25.00 at 5 days

past due dateUp to $25.00 at 5 days

past due dateUp to $25.00 at 5 days

past due dateUp to $25.00 at 5 days

past due date

Returned Payment Fee Up to $25.00 Up to $25.00 Up to $25.00 Up to $25.00

Foreign Transaction Fee No Fee No Fee No Fee No Fee

Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfi nance.gov/learnmore/

*Prime Rate and Margin: The variable APRs are based on the Prime Rate Index. The Prime Rate Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will choose a new index which is comparable to the described index. The margin on your credit card will range from 5.74% - 14.24% and is based on your creditworthiness. The maximum APR is 18.00%. UNIFY is an equal opportunity lender.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Disclosure and Agreement.

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