Cornerstone Community Credit UnionVISA GOLDRegistry illustration · issuer artwork unavailable

VISA GOLDCornerstone Community Credit Union · federal credit union, NY · NCUA 11723

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

p.1of the amount

Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late payment	14.90%CORNERSTONE COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until You make six consecutive minimum payments when due. 14.90%”CORNERSTONE COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	1% of the amountCORNERSTONE COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1.00% of each transaction in U.S. dollars”CORNERSTONE COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

How We Will Calculate Your Balance:page 1 of 2

CREDIT CARD ACCOUNT OPENING DISCLOSURE

VISA GOLD

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 8.90% APR for Balance Transfers · 9.90% APR for Cash Advances · 9.90% Penalty APR and When it Applies · This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until You make six consecutive minimum payments when due. 14.90% Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases if You pay Your 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 from the Consumer Financial Protection Bureau · 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. Fees Transaction Fees - Foreign Transaction Fee · 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee · Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)." See Your Account Agreement for more details.

Application of Penalty APR:

Your APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.

Billing Rights:

Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

Military Lending Act Disclosures:

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

1 2Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

CORNERSTONE COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until You make six consecutive minimum payments when due. 14.90%”
Read exact source ↗
CORNERSTONE COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1.00% of each transaction in U.S. dollars”
Read exact source ↗
CORNERSTONE COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases if You pay Your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Foreign transaction fee, Penalty APR

Offered through: Cornerstone Community Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 11723
Branches: 7 in NY
Sources: Official issuer · 1 document · 1 page cited

Documents

How We Will Calculate Your Balance:effective date not parsed

VISA GOLDCornerstone Community Credit Union · federal credit union, NY · NCUA 11723

Rates and fees