VISA CREDIT CARDS

1) APR=Annual Percentage Rate. Rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

2) $200 rebate awarded if $3,000 in net spend is made in the first 90 days after account opening. Net Spend are purchases minus any credit/returns. Cash Advances do not earn rebates nor count as a purchase. Account must be open at the end of the 90 days for bonus rebate to be paid. This one-time promotion is limited to customers opening a new card in response to this offer and will not apply to requests to convert existing accounts. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor. Merchants self-select transaction categories and may be owned by other companies, therefore transactions may not be counted in the category you might expect.

3) After the 12 month introductory period, the purchase rate applies; purchase rates range from 15.50%-25.00% as of 6/1/2025, based on underwriting. APR=Annual Percentage Rate. Rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

4) 10,000 Bonus points after $1,000 net purchases made in the first 90 days after account opening. Net Purchases are purchases minus any credit/returns. Cash Advances do not earn points nor count as a purchase. Account must be open at the end of the 90 days for bonus points to be added. This offer is not valid on any existing accounts or accounts that transferred from an existing account. Purchases must post to your account during the promotional period. Bonus points are not available if you already received a new cardmember bonus for any other Together CU credit card, or if you have closed any of these accounts, in the past 24 months. Merchants self-select transaction categories and may be owned by other companies, therefore transactions may not be counted in the category you might expect.

5) All loans subject to credit approval. Membership eligibility required. Must maintain at least a $5 balance in a savings account for membership. Free myCITY+ membership is a benefit to Together Credit Union CITY SC Visa Credit and Debit Cardholders, brought to you through an agreement between Together Credit Union and St. Louis CITY SC (STL CITY SC). All benefits of myCITY+ are provided directly by STL CITY SC, which is solely responsible for program content, terms and conditions, and policies. Privacy and security policies may differ from those of Together Credit Union. STL CITY SC myCITY+ Program requires manual activation through the STL CITY SC mobile app. Benefits subject to change at any time. Exclusions may apply.