Interest Rates and Interest Charges:
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Annual Percentage Rate (APR) for Purchases: 7.90% to 21.00% based on your creditworthiness.
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APR for Balance Transfers: 7.90% to 21.00% based on your creditworthiness.
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APR for Cash Advances: 7.90% to 21.00% based on your creditworthiness.
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Penalty APR and When it Applies: None
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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.
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Minimum Interest Charge: None
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For Credit Card Tips from the Consumer Finance Protection Bureau (CFPB): To learn more about factors to consider when applying for or using a credit card, visit the website of the CFPB at
Other Disclosures:
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Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) days late in making a payment.
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Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
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Statement Copy Fee: $5.00
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Document Copy Fee: $12.00
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Emergency Card Replacement Fee: $150.00
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PIN Replacement Fee: $15.00
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Card Replacement Fee: $15.00
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Unreturned Card Fee: None
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Card Recovery Fee: $65.00
For California Borrowers, the Visa Platinum is a secured credit card.
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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Fees:
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Annual Fee: None
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Account Set-up Fee: $25.00
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Program Fee: None
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Participation Fee: None
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Additional Card Fee: None
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Balance Transfer Fee: $6.95
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Cash Advance Fee: $2.50
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Foreign Transaction Fee: 1.00% of each transaction in US Dollars
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Transaction Fee for Purchases: None
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Late Payment Fee: up to $15.00
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Over the Credit Limit Fee: None
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Returned Payment Fee: up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about costs of the card described is accurate as of 01/17/20. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
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