First-of-its-Kind CFCU Card Carries a Rate as Low as 5.24%*, Pays You Cash Back and More!
With offers of “0%” credit cards from some of the biggest names in banking nationally filling your mailbox, why would you want to choose Creighton Federal’s new Platinum Prime VISA®? Why wouldn’t you? *As of 1-1-2009.

Creighton Federal’s New Platinum Prime VISA® Card

• Study participants were much happier with cards issued by credit unions - both the cards and the customer service.
• CFCU’s new Platinum Prime VISA® offers rates as low as 5.24%* on unpaid balances, carries no annual fee, no cash advance fee and no balance transfer fee.
• A Platinum Prime VISA® pays up to 1% cash back on all purchases.
• Cash back can be paid directly to you or as a tax-deductible donation to your choice of CFCU supported organizations - Creighton University or College of St. Mary Athletics; Bergan Mercy Auxiliary; Mercy Hospital Guild; St. James/Seton School, St. Bernard School, or St. Pius X/St. Leo School.

Your Card is Waiting!
Apply today and be one of the first in the city to take advantage of the money saving and cash back benefits of this fantastic, new card. Email your application request, Apply online or you can apply at any Creighton Federal branch or by calling 402-341-2121 or 1-800-967-1477 and ask for a printed application.

Creighton Federal's Platinum Prime VISA Credit Card Information

Annual Percentage Rate (APR) for Purchase	5.24 to 15.99% APR as of 1-1-09. BAsed on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	5.24 to 15.99% AS of 1-1-09. The APR will vary with the market based on the Prime Rate.
APR for Cash Advance	5.24 to 15.99% AS of 1-1-09. The APR will vary with the market based on the Prime Rate.
Variable Rate Information	Your annual percentage rate may very monthly. The rate is determined by adding a margin to the Prime Rate. The margin is 1.99% to 9.99%
How to avoid Paying Interest on Purchases	Your due date is at least 25 days after the closing of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for our credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard .

FEES
Annual Fee	None
Transaction Fees 1. Balance Transfer 2. Cash Advance 3. Foreign Transaction	1. None 2. None 3. 1% of each transaction in U.S. dollars
Penality Fee 1. Late Payment 2. Over-the-Credit Limit 3. Returned pmt.	1. $20 2. $20 3. $20
How Will We Calculate Your Balance	We use a method called "average daily balance (including new purchases)."
Foreign Currency Fee	1%

Go Online and Get Your Credit Card Information Between Statements.
Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:

• Current Balances
• Credit Limit
• Minimum Payment
• Due Date
• Past Payments and lots more!

Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:

• Password is linked to your card, not your computer.*
• Help prevent unauthorized purchases before they even happen
• Shop online with added security and peace of mind
• Create your own password today

* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above.

Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of February 1, 2000. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.