600 Main Street  Waltham, MA 02452
781-736-9900  800-338-0221  781-736-9871 fax
www.rtn.org  info@rtn.org
CREDIT CARD BALANCE TRANSFER REQUEST
Balance Transfer Request
Yes! I/We want to reduce my/our interest rate on non-RTN credit card, vehicle, installment loans — and more — by taking
advantage of RTN Federal Credit Union’s low-rate cash advance/balance transfer offer to pay off existing loan balances. I
currently have — or have applied for — an RTN credit card and request that you pay the non-RTN Federal Credit Union
bills listed below (or attach photocopies) upon approval of my advance request.
NOTE: Be sure to allow ample time for the Credit Union to process this request. We recommend you pay your current month’s
minimum amount due to avoid any potential late fees or additional penalties.
Credit Union Member’s Name
RTN FCU Account Number
Telephone Number
Lender #1
Lender’s Name
Mailing Address
City, State, ZIP
Account No.
Amount
Lender #3
Lender’s Name
Mailing Address
City, State, ZIP
Account No.
Amount
$
Lender #2
Lender’s Name
Mailing Address
City, State, ZIP
Account No.
Amount
$
$
Lender #4
Lender’s Name
Mailing Address
City, State, ZIP
Account No.
Amount
$
By signing below, I/we acknowledge that the above information is accurate. Upon approval, I/We
authorize RTN Federal Credit Union to pay the amounts listed above.
‘
____________________________ ____________________________ ___________________
Applicant(s) Signature(s)
RTN Federal Credit Union is an Equal Opportunity Lender. See pages 2 and 3 for important information.
Date
Page 1 of 3
DISCLOSURES FOR RTN FCU CREDIT CARD NUMBERS STARTING WITH 4739, 4820, 4756 or 5423
Interest Rates and Interest Charges
Annual Percentage
VISA Platinum: 9.99% to 18.00% when you open your account, based on your
Rate (APR) for
creditworthiness.
Purchases
VISA Gold: 10.99% to 18.00% when you open your account, based on your
creditworthiness.
VISA Classic: 11.99% to 18.00% when you open your account, based on your
creditworthiness.
APR for Cash
8.24%
The APR will vary. The APR is the prime rate as published in The Wall Street Journal on
Advances
the last day of the month, plus 4.99%. Established accounts should refer to account
statement for the applicable cash advance rate.
Penalty APR and When Not applicable
it Applies
Your due date is at least 25 days after the close of each billing cycle. We will not charge
How to Avoid Interest
you any interest on purchases if you pay the entire balance by the due date each month.
on Purchases
Minimum Interest
Charge
For Credit Card Tips
from the Federal
Reserve Board
Fees
Transaction Fees
 Cash Advances
 Foreign Transaction
Penalty Fees
 Late Payment
 Returned Payment
Other Fees
 Annual Fee
 Card Replacement
None
To learn more about factors to consider when applying or using a credit card, visit the
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
$2.00
2% of the amount of each foreign currency purchase after its conversion to US currency
up to $25.00
up to $25.00
.
VISA Classic: $10.00; VISA Gold and Platinum: $20.00. Waived if member has direct
deposit.
$10.00
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).'
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your disclosure agreement.
Maximum Credit Limits: VISA Classic: $10,000; VISA Gold or Platinum: $25,000
This information about the costs of the cards describes in this disclosure is accurate as of the date printed below. This information may have changed
after that date. To find out what may have changed, contact Member Services at 800-338-0221, ext. 9829, or info@rtn.org.
Addendum as of November 24, 2014; Page 2 of 3
RTN FCU CREDIT CARD DISCLOSURE FOR CARD NUMBERS STARTING WITH 4091 OR 4202
Interest Rates and Interest Charges
Annual Percentage
VISA Platinum, Option 1: 10.25%. This rate will vary with the market based on the
Rate (APR) for
Prime Rate as published in The Wall Street Journal on the first day of the business cycle
Purchases
plus 7%
VISA Platinum, Option 2: 9.25%. This rate will vary with the market based on the
Prime Rate as published in The Wall Street Journal on the first day of the business cycle
plus 6%
VISA Classic: 14.99%. This rate will vary with the market based on the Prime Rate as
published in The Wall Street Journal on the first day of the business cycle plus 11.74%
VISA Platinum: Same APR as for purchases (above). VISA Classic: currently 16.99% APR,
will vary with the market based on the Prime Rate as published in The Wall Street Journal
on the first day of the business cycle plus 13.74%.
Penalty APR and When VISA Platinum: 14.99% if you:
it Applies
Applicable if you (1) make a late payment, (2) go over your credit limit twice in a sixmonth period, (3) make a payment that is returned or (4) you do any of the above on
another account with us
How long will the penalty APR apply?
If your APRs are increased for any of these reasons, the penalty APR will apply until you
make six consecutive minimum payments when due.
How to Avoid Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge
on Purchases
you any interest on purchases if you pay the entire balance by the due date each month.
We will begin charging interest on cash advances and balance transfers on the transaction
date.
For Credit Card Tips
To learn more about factors to consider when applying or using a credit card, visit the
from the Federal
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Reserve Board
APR for Cash
Advances
Fees
Transaction Fees
 Cash advances
 Balance Transfers
 Foreign Transaction
Penalty Fees
 Late Payment
 Returned Payment
Other Fees
 Annual Fee
Not applicable
$20.00
$25.00
VISA Platinum — Option 1: None; Option 2: $50.00
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).'
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your disclosure agreement.
Maximum Credit Limits: VISA Classic: $10,000; VISA Platinum: $25,000
This information about the costs of the cards describes in this disclosure is accurate as of the date printed below. This information may have
changed after that date. To find out what may have changed, contact Member Services at
800-338-0221, ext. 9829, or info@rtn.org.
Addendum as of November 21, 2014; Pg. 3 of 3