Credit Card Disclosure

Application and Solicitation Disclosure for Visa® Platinum/Rewards First Visa® Platinum

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Visa Platinum
14.24% to 23.24%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

Rewards First Visa Platinum
17.24% to 24.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

APR for Balance Transfers

Visa Platinum
14.24% to 23.24%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

Rewards First Visa Platinum
17.24% to 24.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

APR for Cash Advances

Visa Platinum
17.24% to 24.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

Rewards First Visa Platinum
20.24% to 24.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.

Penalty APR and When it Applies

Visa Platinum
24.99%

Rewards First Visa Platinum
24.99%

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.

How to Avoid Paying Interest on Purchases 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.
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 https://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Application Fee

None
None
None
Set-up and Maintenance Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases

None
3.00% of the amount of each cash advance
1.00% of each transaction in U.S. dollars
None
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

Up to $35.00
Up to $35.00
Up to $35.00

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

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of: March 1, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Rewards First Visa Platinum are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Cash Advance Fee (Finance Charge):
3.00% of each cash advance.

Over-the-Credit Limit Fee:
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. In the event you exceed your credit limit in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $10.00. 

Document Copy Fee: $10.00.

Pay-by-Phone Fee: $10.00.

Rush Fee: $25.00.