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Disclosures

Home Disclosures

• Important Information About Opening a New Account
• Money Market Account Information
• Auto Loan Information
• Home Equity Information
• BCCU Visa Card Information
• Share/Savings Rate Information

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying items.

Your personal information and privacy is important to us. We highly value your trust and work diligently to safeguard your privacy. View our Online Privacy Practices and Privacy Statement.

MONEY MARKET ACCOUNT INFORMATION:
Rates are variable and may change at any time. Minimum balance of $2,500 required to open and obtain dividends. Fees may reduce earnings. Federally insured to at least $250,000 by the NCUA.

AUTO LOAN INFORMATION:
Auto Loan Rates indicated include a .10% discount for members with Loyalty Rewards Checking, and a .25% discount for payments made by automatic transfer/payment. Other rates and terms are available. Annual Percentage Rate (APR) is variable and will be based on your credit worthiness and ability to repay. To calculate undiscounted rate, add back the appropriate discount(s) based on your specific situation. Annual Percentage Rates(APR) subject to change without notice. Title, UCC & VSI fees will be charged when necessary. A loan of $10,000 at 2.00% APR with a 3-year term results in 36 monthly payments of $286.40.

HOME EQUITY LINE OF CREDIT:
As of 05/01/2013, the Annual Percentage Rate (APR) was as low as 2.75% based on a Wall Street Journal Prime Rate of 3.25% APR. BCCU Home Equity Line: Maximum Loan-to-Value is 80% of Market Value less outstanding mortgage balances. BCCU EquityPlus Equity Line: Maximum Loan-to-Value is 80% of Market Value less outstanding mortgage balances. Home equity lines have variable rates and a maximum APR of 18%. Homeowner's insurance is required.

HOME EQUITY LINE OF CREDIT SPECIAL
Introductory fixed rate as low as 2.75% APR for 36 months. At the end of the 36-month fixed introductory period, the line converts to a variable rate based on a margin as low as the WSJ Prime Rate minus .50%. As of 05/01/13, this would have been as low as 2.75% APR based on the WSJ Prime of 3.25%. The introductory and variable rate you receive will be based on your credit worthiness and ability to repay. There are no closing costs or fees to open the line. If you close the line within three (3) years, you will reimburse us $350 for costs we incurred to establish the line. This offer is for new BCCU lines only. Homeowners insurance is required. The variable APR will not exceed 18%. This offer is subject to change at any time.

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BCCU VISA CARD INFORMATION
Effective Date. The information about the cost of the card described in the application is accurate as of May 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

How We Will Calculate Your Balance
We use a method called "average daily balance (including new purchases)."

Introductory APR on Purchases and Balance Transfers
The introductory APR as disclosed above is valid for the first 12 billing cycles after account opening and is based on certain creditworthiness criteria. When the discounted period expires, the APR for existing balances will increase to the new non-discounted rate on the first day of the billing cycle.

Loss of Introductory APR
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 65 days late in making a payment.

Application of Penalty APR
Your APR may be increased to the disclosed Penalty APR if you are 65 days late in making a payment.

Effective Date
The information about the costs of the card described in this application is accurate as of April 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Read the Consumer Credit Card Agreement

CU REWARDS PROGRAM:
Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (For example, if points are earned in 2006, 2006 is considered calendar year one, and 2009 is considered calendar year four. Points from 2006, calendar year one, will expire after December 31, 2009, which is the end of calendar year four.)
The maximum number of points that can be earned in any year is 50,000.

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SHARE/SAVINGS RATE INFORMATION:
Dividends are compounded and paid monthly. Each member account is Federally Insured to at least $250,000 by the NCUA, a U.S. Government Agency. Please call to confirm the most current rates. Early withdrawal from certificate accounts will result in a loss of earnings penalty.

Minimum Balances are as follows:

*Accounts marked with a "*" are variable rate accounts.An interest rate that may fluctuate during the term of a loan, line of credit or deposit account according to changes in an index rate, such as the prime rate or other prescribed criteria. The Rate and Annual Percentage Yield (APY) on these accounts may change after the account is opened.

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