Karmanos Visa Card

Credit Union ONE has partnered with the Barbara Ann Karmanos Cancer Institute to offer the Barbara Ann Karmanos Visa. This program has generated more than $320,000 for the Institute since its inception in 1996. A percentage of every purchase you make with the Barbara Ann Karmanos Visa directly supports the Institute's research, patient care and educational programs.

We offer a choice of reward and non-reward programs. Our non-reward program features a lower Annual Percentage Rate (APR); our rewards program lets you earn points toward merchandise or travel purchases. You can track and redeem points online through CURewards.

Credit Union ONE members may apply for the Barbara Ann Karmanos Visa by printing and completing the Application. Completed applications can be returned to Credit Union ONE by:

Fax,** Mail,** or at any one of our branch locations.

Options Available:

	Non-Rewards Option	Rewards Option (available June 1, 2006)
Annual Percentage Rate (APR) for Purchases	11.25% to 16.25%*	13.25% to 18.25%*
Other APRs	Cash Advance APR: 14.25% to 19.25%* Balance Transfer 11.25% to 16.25%*	Cash Advance APR: 16.25% to 21.25%* Balance Transfer 13.25% to 18.25%*
Purchase Grace Period	25 Days	25 Days
Inactivity Fee	$20	$20
Purchase Balance Calculation Method	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)
Annual Fees	None	None
Minimum Finance Charge	$0.50	$0.50