All residents of your county can joinFlorida Credit Union.
43RD STREET BRANCH2831 NW 43rd Street • Gainesville, FL
(352) 377-4141
13TH STREET ADVANTAGE CENTER3720 NW 13th Street • Gainesville, FL
(352) 377-4141
BUTLER PLAZA NORTH BRANCH2803 SW 42nd Street • Gainesville, FL
(352) 377-4141
HAILE MARKET SQUARE BRANCH2785 SW 91st Street • Gainesville, FL
(352) 377-4141
STARKE BRANCH2460 Commercial Drive • Starke, FL
(904) 964-1427
NORTH DELAND BRANCH1735 N. Woodland Boulevard • North DeLand, FL
(386) 738-4717
SILVER SPRINGS ADVANTAGE CENTER3504 E. Silver Springs Boulevard • Ocala, FL
(352) 237-8222
COUNTRY OAKS BRANCH9680 SW 114th Street • Ocala, FL
(352) 237-8222
MARICAMP BRANCH10 Bahia Avenue Lane • Ocala, FL
(352) 237-8222
OCALA BRANCH2424 SW 17th Road • Ocala, FL
(352) 237-8222
LAKE CITY BRANCH586 W. Duval Street • Lake City, FL
(386) 755-4141
MAILING ADDRESSP.O. Box 5549 • Gainesville, FL 32627-5549
(800) 284-1144flcu.org
Federally insured by NCUA
VISA®
CREDIT CARDS
PURCHASINGPOWER IN YOURPOCKET WITHTHE PROTECTIONOF VISA
HOW DO I TRANSFER BALANCES?
Complete the attached Balance Transfer Form.
Important: Balances cannot be transferred without complete and accurate information.
How much can I transfer? You may transfer balances up to your credit line. If your request(s) exceed the amount of your credit line, FCU will fulfill your requests in numeric order as listed in your response, may decline to process one or more requests, and/or may complete one request in a partial amount. You will be notified if for any reason we are not able to process your balance transfer request.
How long will it take to process my transfer request? After your account is opened and you receive your card(s), the balance transfer(s) will be processed within 30 days.
Important: Please continue to make payments on all your existing accounts until you confirm with your other issuer that the balance transfer payment was made. FCU is not responsible for any service charges or late fees which may be assessed on the account(s) listed for balance transfer.
How will my transfer(s) be shown on my new account? Balance transfers will be posted to your new account as an advance.
Important: No advance transaction fee will be charged. Balance transfer amounts will accrue finance charges from the date we send the transfer amount you requested to the other credit card issuer. Balances transferred are not subject to a grace period.
Will my accounts be closed after my balances are transferred to my FCU Business Visa Credit card? No. We will not automatically close these accounts for you. You may close these accounts by contacting the issuers after your balance transfer is completed. Florida Credit Union accounts are not eligible.
PAYMENT OPTIONS
Best of all, your new FCU Visa Credit Card gives you flexibility on your monthly payments. You can make your monthly payment online, by mail or in person at any Florida Credit Union branch. Also, choose your payment schedule to be made on the 7th or 21st day of each month.
Want more flexibility? You can choose to have your payment automatically deducted out of your Florida Credit Union Checking account each month in one of four ways:
1. Minimum payment* deducted depending on the credit balance owed.
2. Set dollar amount you choose to pay each month, as long as it meets the minimum payment.
3. Pay your entire credit balance in full each month.
4. Set up for bi-weekly transfers from your FCU Checking account.
APPLY TODAY
All you have to do is fill out the attached application and drop it by any Florida Credit Union branch or mail it, postage paid.
* Minimum monthly payment due is 2% of the balance owed or $20.00, whichever is greater.
Rev. 8/17
VIS
A® C
RED
IT CA
RD A
PP
LIC
ATIO
NC
RE
DIT
AM
OU
NT/L
IMIT
RE
QU
ESTE
D: ________________________________ T
YP
E O
F A
PP
LIC
ATIO
N: □
Individual □ Joint* □
Co-B
orrower*
CH
OO
SE
CA
RD
: □ V
isa W
ave
□
Visa
Pla
tinum
Rew
ard
s □
Visa
Pla
tinum
Rate
or Fre
sh S
tart V
isa (card type based on your creditw
orthiness)
□ M
anatee □ P
anther □ S
ea Turtle □
Manatee □
Panther □
Sea Turtle
* Join
t vs. Co-B
orro
wer: In a joint application, the secondary borrow
er receives benefit from the loan proceeds. The financial debts, incom
e, and assets of both the primary and secondary borrow
er will be com
bined for prequalification. In a co-borrow
er application, the secondary borrower’s debts, incom
es, and assets are segregated from the prim
ary applicant. Generally speaking, a co-borrow
er does not receive benefit from the loan
proceeds. A co-borrow
er is generally useful to increase the odds of getting a loan. A co-borrow
er should generally have a better credit history and/or is in a better financial standing than the main borrow
er.
OVE
RLIM
IT F
EE
PR
OG
RA
M□
Opt m
e in
. I would like to opt in to the O
verlimit Fee P
rogram. I understand a fee w
ill be charged if transactions that post to my credit card account cause m
y balance to go over the limit
(see Fee Schedule for current am
ount). I further understand that Florida Credit U
nion is not required to accept every transaction as a result of being enrolled in this program. The overlim
it fee w
ill be charged only once per month and w
ill be charged only if my credit card account balance goes overlim
it at any time during the m
onth.
□ O
pt m
e o
ut. I prefer to opt out of the O
verlimit Fee P
rogram. I understand transactions w
ill be denied if those transactions would cause m
y balance to go over the limit of m
y credit card account.
AP
PLIC
AN
T’S
INFO
RM
ATIO
N
Applicant’s Full N
ame
FCU
Mem
ber Num
ber S
ocial Security N
umber
Date of B
irth (MM
/DD
/YY
YY
)
Hom
e Address (no P.O
. Box allow
ed) C
ity S
tate Zip C
ode H
ow Long at A
ddress?
Previous A
ddress (if less than two years at current address)
City
State
Zip Code
Ow
n/Rent
Monthly H
ousing Paym
ent H
ome P
hone Num
ber M
obile Phone N
umber
Em
ail Address
Driver’s License or S
tate ID N
umber
Issue Date
Expiration D
ate Issue S
tate
Em
ployer’s Nam
e O
ccupation/Job Title D
ate of Hire
Em
ployer’s Phone N
umber
Em
ployer’s Address
City
State
Zip Code
Gross M
onthly Income
Other Incom
e** O
ther Income S
ource**
CO
-AP
PLIC
AN
T’S
INFO
RM
ATIO
N
Co-A
pplicant’s Full Nam
e FC
U M
ember N
umber
Social S
ecurity Num
ber D
ate of Birth (M
M/D
D/Y
YY
Y)
Hom
e Address (no P.O
. Box allow
ed) C
ity S
tate Zip C
ode H
ow Long at A
ddress?
Previous A
ddress (if less than two years at current address)
City
State
Zip Code
Ow
n/Rent
Monthly H
ousing Paym
ent H
ome P
hone Num
ber M
obile Phone N
umber
Em
ail Address
Driver’s License or S
tate ID N
umber
Issue Date
Expiration D
ate Issue S
tate
Em
ployer’s Nam
e O
ccupation/Job Title D
ate of Hire
Em
ployer’s Phone N
umber
Em
ployer’s Address
City
State
Zip Code
Gross M
onthly Income
Other Incom
e** O
ther Income S
ource**
By signing below
, you (1) apply for credit as set forth above, (2) warrant that all statem
ents in this application are true and complete and (3) acknow
ledge receipt of an agree to all terms, conditions, and disclosures of this
application, including all terms, conditions and disclosures on the reverse side.
RIG
HT T
O R
ESTR
ICT S
ER
VIC
ES A
ND
AC
CO
UN
T A
CC
ESS
You agree we m
ay, except as prohibited by applicable law, restrict, deny, suspend or term
inate one or more of our services to you and/or your access to account funds in the event you shall
fail to make tim
ely payment as provided herein or any other loan agreem
ent with us, or shall default under this or any other loan agreem
ent with us. W
ithout in any way lim
iting the foregoing, you agree w
e may, under such circum
stances and without lim
itation, restrict, deny, suspend or terminate your ability to conduct online banking transactions and/or access or w
ithdraw funds
through use of an ATM, a debit card or electronic m
eans. The exercise of rights pursuant to this paragraph shall not be construed as limiting, in any w
ay, our right to pursue other rights and rem
edies available under applicable law.
CO
NSE
NT T
O R
EC
EIV
E T
ELE
MA
RK
ETIN
G C
ALLS
By signing below
, I also authorize the credit union and persons acting on behalf of the credit union to deliver or cause to be delivered to me, and I consent to receive, advertising and
telemarketing calls and text m
essage at the telephone number(s) provided above, including calls using an autom
atic telephone dialing system and/or an artificial or prerecorded voice. I
UN
DE
RS
TAN
D A
ND
AC
KN
OW
LED
GE
I AM
NO
T RE
QU
IRE
D TO
SIG
N TH
IS A
UTH
OR
IZATION
AN
D C
ON
SE
NT, O
R E
NTE
R IN
TO TH
IS A
GR
EE
ME
NT, A
S A
CO
ND
ITION
OF P
UR
CH
AS
ING
A
NY
PR
OP
ER
TY, GO
OD
S O
R S
ER
VIC
ES
. I acknowledge I m
ay withhold such authorization and consent by striking through this paragraph at the tim
e of the signing of this application or w
ithdraw such consent by w
ritten notice to you at Flordia Credit U
nion, Attn: R
evoke Consent, P.O
. Box 5158, G
ainesville, FL 32627, by email to revokeconsent@
flcu.org, by telephone at (800) 284-1144 or by any other reasonable m
eans.
Applicant’s S
ignature D
ate
Co-A
pplicant’s Signature
Date
BA
LA
NC
E T
RA
NSFE
R R
EQ
UE
ST
Cre
dito
r #1
Nam
e P
ayment A
ddress A
ccount Num
ber S
pecific Am
ount to Pay
Cre
dito
r #2
Nam
e P
ayment A
ddress A
ccount Num
ber S
pecific Am
ount to Pay
If this card application is approved, the Applicant hereby requests credit card advances to pay the follow
ing specified amounts to the third party credit card accounts specified below
. Applicant understands that Florida C
redit U
nion will not term
inate such third party credit card accounts and will not com
ply with any balance transfer request if the card application is not approved or the balance transfer request w
ould exceed the available card limit
approved by the Credit U
nion.
Applicant’s S
ignature D
ate C
o-Applicant’s S
ignature D
ate
Retu
rn a
pplic
atio
n to
any F
CU
bra
nch o
r mail to
P.O. B
ox 5
54
9, G
ain
esville
, FL 3
26
27
.
** Alim
ony, child support and separate maintenance incom
e need not be revealed if you do not wish to have them
considered as a basis for repaying this obligation.
** Alim
ony, child support and separate maintenance incom
e need not be revealed if you do not wish to have them
considered as a basis for repaying this obligation.
$ $
$ $
$ $
$
XX □ O
wn □
Rent □
Other
□ O
wn □
Rent □
Other
XX
$ $
ME
RC
HA
NT U
SE
ON
LY
Nam
e P
hone
Plan □
6 □ 12 □
24 □ 36
FC
U U
SE
ON
LY
Mem
ber Num
ber
Teller Num
ber
VISA®
CREDIT CARDS
PURCHASINGPOWER IN YOURPOCKET WITHTHE PROTECTIONOF VISA
VISA® CREDIT CARDSFlorida Credit Union’s value-packed Visa program is a great way to make purchases, obtain cash advances, or consolidate high-interest rate credit cards. With no annual fee and low rates, FCU’s Visa Credit Card is among the best in the market.
FCU’s Visa Credit Cards offer:
• No annual fee on most cards
• Non-variable rate options
• EMV chip technology for increased security
• Credit limits to fit your needs
• A low monthly minimum payment
• Transaction Visa Alerts sent via email and/or text
• Monthly eStatements via FCU’s Online Banking
• 25-day grace period on purchases
• No-fee cash advance options
• Online access to view your account history and pay balances
• Extra cards for family members
• Emergency card replacement
• Balance transfer opportunity
VERIFIED BY VISA
Protect yourself and your online prurchases with Verified by Visa. Using a personal password, Verified by Visa allows participating merchants to verify your identity before completing an online transaction. It’s safe, convenient, and best of all, it’s free.
Verified by Visa:
• Prevents unauthorized use of your FCU Visa Credit Card or Debit Card
• Reduces the possibility of identity theft
• Decreases the chances of fraudulent activity on your FCU Visa Credit Card account
CHOOSE YOUR CARD DESIGN
Make your card as unique as you are! FCU’s Visa programs include endangered species cards (sea turtle, manatee, Florida panther), the Visa Wave rewards card, and the option to design your own.
Want to make your FCU Visa card one of a kind? You can customize it in a few simple steps with your own photo—or choose from hundreds of images online. Give your card the exclusiveness it deserves!
VISA WAVE CREDIT CARD
Are you stuck with a credit card rewards program that doesn’t offer the rewards you’re looking for? If so, FCU’s Visa Wave Credit Card rewards program delivers perks and benefits few cards can match. The Visa Wave Credit Card offers all the features of our other Visa cards, plus:
• Cash back rewards
• Premium rewards points for merchandise, gift cards and travel
CUREWARDS®
Some FCU Visa credit card programs earn CURewards points. If you choose one of these programs, there is added benefit to using your FCU card for all your purchases. Every time you do, you’ll earn CURewards points for the dollars you spend. Redeem your points for quality gifts such as HDTVs, golf clubs, gifts cards, or even travel.
Your monthly statement will report the points you have accumulated. Also, look for CURewards gift updates in your monthly Florida Credit Union Visa statements or go to curewards.com for a complete listing of benefits and gifts.
17.9% when you open your account, based on your creditworthiness.
8.9% to 17.9% when you open your account, based on your creditworthiness.
10.9% to 17.9% when you open your account, based on your creditworthiness.
10.9% to 17.9% when you open your account, based on your creditworthiness.
8.9% to 17.9% when you open your account, based on your creditworthiness.
17.9% when you open your account, based on your creditworthiness.
None
None
1% of each transaction in U.S. Dollars
None
None
1% of each transaction in U.S. Dollars
None
None
1% of each transaction in U.S. Dollars
Up to $35.00Up to $35.00Up to $35.00
Up to $35.00Up to $35.00Up to $35.00
Up to $35.00Up to $35.00Up to $35.00
$25.00$15.00 (Priority Handling)$35.00
$25.00$15.00 (Priority Handling)$35.00
$25.00$15.00 (Priority Handling)$35.00
$25.00$15.00 (Priority Handling)$35.00
None
None
None
None
None
$100.00
None
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.If you are charged interest, the charge will be no less than $1.50.
17.9% 17.9% 17.9% 17.9%
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 http://www.consumerfinance.gov.learnmore
Annual Percentage Rate (APR) for Purchases
Annual FeeTransaction Fees• Balance Transfer
• Cash Advance
• Foreign Transaction
Penalty Fees• Late Payment• Over-the-Credit Limit• Returned Payment
Other Fees• Card Replacement• Rush Mail• Balance Consolidation/
Convenience Check Stop Payment
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Account Agreement for more details.Billing Rights: Information on your rights to dispute transaction and how to exercise those right is provided in your account agreement.The information about the cost of the card described in this application is accurate as of August 2017. This information may have changes after the date. To find out what may have changed, call us at (800) 284-1144.
APR for Balance Transfers
Penalty APR and When It AppliesHow to Avoid Paying Interest on PurchasesMinimum Interest Charge
APR for Cash Advances
For Credit Card Tips form the Consumer Financial Protection Bureau
Interest Rates and Interest Charges
Fees
Visa Platinum Rewards
13.15% to 17.9% when you open your account, based on your creditworthiness. After that, your APR will vary based on the Prime Rate.
0% introductory APRfor six (6) months.
Thereafter, 13.15% to
17.9% based on your creditworthiness. This APR will vary based on the Prime Rate.
The greater of $50 or 5% of the amount of each transferThe greater of $20 or3% of the amount of each cash advance1% of each transaction in U.S. Dollars
Up to $35.00Up to $35.00Up to $35.00
None
Visa Wave Fresh Start VisaVisa Platinum RateEffective August 1, 2017
FLO
RID
A C
RE
DIT
UN
ION
LOA
N P
RO
CE
SS
ING
DE
PAR
TM
EN
TP
O B
OX
5549G
AIN
ES
VILLE
FL 32627-9985
SE
AL A
LL SID
ES
SE
CU
RE
LY W
ITH TA
PE
BE
FOR
E M
AILIN
G
CR
ED
IT R
EP
OR
T A
UTH
OR
IZATIO
NB
y si
gnin
g th
e ap
plic
atio
n yo
u au
thor
ize
the
cred
it un
ion
to c
heck
you
r em
ploy
men
t an
d cr
edit
hist
ory
and
to o
btai
n cr
edit
repo
rts
in c
onne
ctio
n w
ith a
ny r
eque
st fo
r m
embe
rshi
p or
cre
dit,
incl
udin
g an
y up
date
, inc
reas
e, r
enew
al, e
xten
sion
or
colle
ctio
n of
cre
dit
you
rece
ive.
If y
ou r
eque
st, t
he c
redi
t un
ion
will
tell
you
the
nam
e an
d ad
dres
s of
any
cre
dit
bure
au fr
om w
hich
it
rece
ived
a c
redi
t re
port
on
you.
The
cre
dit
unio
n w
ill re
ly o
n in
form
atio
n yo
u ha
ve p
rovi
ded.
By
sign
ing,
you
affi
rm t
hat
all i
nfor
mat
ion
on t
his
docu
men
t or
tha
t ha
s be
en p
rovi
ded
else
whe
re
is c
orre
ct.
TIN
CE
RTIF
ICATIO
N A
ND
BA
CK
UP
WIT
HH
OLD
ING
IN
FO
RM
ATIO
NU
nder
pen
altie
s o
f p
erju
ry, I
cer
tify
that
:
(1) T
he n
umb
er s
how
n o
n th
is f
orm
is m
y co
rrec
t ta
xpay
er id
entifi
catio
n nu
mb
er,
(2) I
am
no
t su
bje
ct t
o b
acku
p w
ithho
ldin
g b
ecau
se: (
a) I
am e
xem
pt
fro
m b
acku
p w
ithho
ldin
g, o
r (b
) I h
ave
not
bee
n no
tified
by
the
Inte
rnal
Rev
enue
Ser
vice
(IR
S) t
hat
I am
su
bje
ct t
o b
acku
p w
ithho
ldin
g a
s a
resu
lt o
f a
failu
re t
o r
epo
rt a
ll in
tere
st o
r d
ivid
end
s, o
r (c
) the
IRS
has
no
tified
me
that
I am
no
long
er s
ubje
ct t
o b
acku
p w
ithho
ldin
g, a
nd
(3) I
am
a U
.S. p
erso
n (in
clud
ing
a U
.S. r
esid
ent
alie
n).
Cert
ificati
on Inst
ructi
ons.
Cro
ss o
ut it
em 2
abo
ve if
you
hav
e be
en n
otifi
ed b
y th
e IR
S th
at y
ou a
re c
urre
ntly
sub
ject
to b
acku
p w
ithho
ldin
g be
caus
e yo
u ha
ve fa
iled
to re
port
all
inte
rest
an
d di
vide
nds
on y
our
tax
retu
rn. C
ross
out
item
3 a
nd c
ompl
ete
a W
-8 B
EN
if y
ou a
re n
ot a
U.S
. per
son.
By
sign
ing,
the
App
lican
t her
eby
(a) a
pplie
s fo
r m
embe
rshi
p in
the
Flor
ida
Cre
dit
Uni
on (“
Cre
dit U
nion
”), (
b) re
ques
ts th
e op
enin
g of
a C
redi
t Uni
on s
hare
/sav
ings
acc
ount
with
the
Join
t App
lican
t (if
any)
as
a jo
int o
wne
r w
ith r
ight
s of
sur
vivo
rshi
p, a
nd (c
) req
uest
s cr
edit
from
C
redi
t Uni
on in
the
amou
nt/c
redi
t lim
it in
dica
ted
abov
e, a
nd (d
) agr
ees
to a
ll te
rms,
con
ditio
ns, r
epre
sent
atio
ns a
nd d
iscl
osur
es o
f thi
s A
pplic
atio
n. If
a J
oint
App
lican
t has
sig
ned,
the
Join
t A
pplic
ant h
ereb
y (a
) req
uest
s th
e op
enin
g of
a C
redi
t Uni
on s
hare
/sav
ings
acc
ount
with
the
App
lican
t (if
any)
as
a jo
int o
wne
r w
ith r
ight
s of
sur
vivo
rshi
p, (b
) req
uest
s jo
int c
redi
t with
App
lican
t fro
m C
redi
t Uni
on in
the
amou
nt/c
redi
t lim
it in
dica
ted
abov
e an
d (c
) agr
ees
to a
ll te
rms,
con
ditio
ns, r
epre
sent
atio
ns a
nd d
iscl
osur
es o
f thi
s C
redi
t App
licat
ion.
The
per
son(
s) u
nder
stan
d an
d ag
ree
that
Cre
dit U
nion
will
revi
ew th
is A
pplic
atio
n an
d, in
Cre
dit U
nion
’s s
ole
disc
retio
n, d
eter
min
e w
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er to
(a) e
xten
d an
adv
ance
und
er a
n op
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nd c
redi
t pla
n us
ing
the
Cre
dit U
nion
’s
Cre
dit a
nd S
ecur
ity A
gree
men
t or
(b) e
xten
d a
Cre
dit U
nion
cre
dit c
ard
acco
unt o
r (c
) den
y th
is A
pplic
atio
n in
Cre
dit U
nion
’s s
ole
disc
retio
n. T
he F
lorid
a C
redi
t Uni
on c
redi
t car
d di
sclo
sure
in
form
atio
n in
clud
ed w
ith th
is A
pplic
atio
n on
ly a
pply
to th
e C
redi
t Uni
on c
redi
t car
d ac
coun
t. If
Cre
dit U
nion
dec
ides
to e
xten
d an
adv
ance
und
er a
n op
en-e
nd c
redi
t pla
n us
ing
the
Cre
dit
Uni
on’s
Cre
dit a
nd S
ecur
ity A
gree
men
t, yo
u w
ill re
ceiv
e an
d be
requ
ired
to s
ign
the
Cre
dit a
nd S
ecur
ity A
gree
men
t and
any
add
ition
al d
ocum
ents
requ
ired
by C
redi
t Uni
on. I
f Cre
dit U
nion
de
cide
s to
ext
end
a C
redi
t Uni
on c
redi
t car
d ac
coun
t, (a
) you
will
rece
ive
the
cred
it ca
rd a
ccou
nt a
gree
men
t bef
ore
you
can
rece
ive
any
adva
nces
und
er th
e cr
edit
card
acc
ount
and
(b) y
ou
agre
e th
at y
our
sign
atur
e(s)
and
you
r us
e of
the
cred
it ca
rd a
ccou
nt c
onst
itute
agr
eem
ent t
o th
e cr
edit
card
acc
ount
agr
eem
ent.
AS
A C
ON
DIT
ION
OF
CR
ED
IT U
NIO
N’S
OP
EN
ING
CR
ED
IT C
AR
D A
CC
OU
NT
AN
D Y
OU
R U
SE
OF
TH
E C
AR
D, T
HE
AP
PLI
CA
NT
HE
RE
BY
GR
AN
T T
O C
RE
DIT
UN
ION
A S
EC
UR
ITY
IN
TE
RE
ST
IN A
LL S
HA
RE
S, D
EP
OS
ITS
AN
D O
TH
ER
FU
ND
S O
N D
EP
OS
IT W
ITH
CR
ED
IT U
NIO
N IN
WH
ICH
YO
U H
AV
E A
N O
WN
ER
SH
IP IN
TE
RE
ST,
(oth
er t
han
an IR
A a
cco
unt
or
an a
cco
unt
whe
re t
his
secu
rity
inte
rest
wo
uld
cau
se t
he lo
ss o
f ta
x-ex
emp
t o
r ta
x-d
efer
red
sta
tus)
. TH
E S
EC
UR
ITY
INT
ER
ES
T F
OR
ALL
AM
OU
NT
S O
WE
D T
O C
RE
DIT
UN
ION
U
ND
ER
TH
E T
ER
MS
OF
TH
E C
RE
DIT
CA
RD
AC
CO
UN
T A
GR
EE
ME
NT.
IF Y
OU
AR
E IN
DE
FAU
LT U
ND
ER
AN
Y T
ER
M O
F T
HE
CR
ED
IT C
AR
D A
CC
OU
NT,
YO
UR
SH
AR
ES
, DE
PO
SIT
S
AN
D/O
R O
TH
ER
FU
ND
S W
ITH
OU
T N
OT
ICE
OR
DE
MA
ND
TO
YO
U A
ND
TO
AP
PLY
SU
CH
FU
ND
S T
O T
HE
AM
OU
NT
S O
WE
D T
O C
RE
DIT
UN
ION
.
Fede
ral l
aw p
rovi
des
impo
rtan
t pro
tect
ions
to m
embe
rs o
f the
Arm
ed F
orce
s an
d th
eir
depe
nden
ts re
latin
g to
ext
ensi
ons
of c
onsu
mer
cre
dit.
In g
ener
al, t
he c
ost o
f con
sum
er c
redi
t to
a m
embe
r of
the
Arm
ed F
orce
s an
d hi
s or
her
dep
ende
nt m
ay n
ot e
xcee
d an
ann
ual p
erce
ntag
e ra
te o
f 36
perc
ent.
The
rate
mus
t inc
lude
, as
appl
icab
le to
the
cred
it tr
ansa
ctio
n or
acc
ount
: Th
e co
st a
ssoc
iate
d w
ith c
redi
t ins
uran
ce p
rem
ium
; fee
s fo
r an
cilla
ry p
rodu
cts
sold
in c
onne
ctio
n w
ith th
e cr
edit
tran
sact
ion;
any
app
licat
ion
fee
char
ged
(oth
er th
an c
erta
in a
pplic
atio
n fe
es fo
r sp
ecifi
ed c
redi
t tra
nsac
tions
or
acco
unts
); an
d an
y pa
rtic
ipat
ion
fee
char
ged
(oth
er th
an c
erta
in p
artic
ipat
ion
fees
for
a cr
edit
card
acc
ount
).
Retu
rn a
pplicati
on t
o a
ny
FC
U b
ranch, fa
x to
(3
52
) 3
74
-1906 o
r m
ail t
oFlo
rida C
redit
Unio
n, P.
O. B
ox
55
49
, G
ain
esv
ille
, FL 3
2627.