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Credit Card Rates

Platinum VISA® Credit and PlatinumEdge VISA® Awards Cards

These rates are accurate as of May 28, 2017.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Platinum VISA®
7.50% to 16.75% when you open your account, based on your creditworthiness.

PlatinumEdge VISA® Awards
8.50% to 17.75% when you open your account, based on your creditworthiness.

APR for Cash Advances Platinum VISA®
7.50% to 16.75% when you open your account, based on your creditworthiness.

PlatinumEdge VISA® Awards
8.50% to 17.75% when you open your account, based on your creditworthiness.

APR for Balance Transfers Platinum VISA®
7.50% to 16.75% when you open your account, based on your creditworthiness.

PlatinumEdge VISA® Awards
8.50% to 17.75% when you open your account, based on your creditworthiness.

Penalty APR and When it Applies Platinum VISA®
None

PlatinumEdge VISA® Awards
None

Minimum Interest Charge None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.

We do not charge you 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: www.consumerfinance.gov/learnmore.
Fees
Annual Fee
– Platinum VISA®
– PlatinumEdge VISA® Awards
 
None
None
Transaction Fees
– Foreign Transaction Fee
– Transaction Fee for Purchases
 
Actual Cost
Actual Cost
Penalty Fees
– Late Payment Fee
– Returned Payment Fee
 
Up to $25.00
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 the costs of the card described in this application is current as of ________________. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are 0 or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee $50.00
? FAQs
Frequently Asked Questions
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