Annual Percentage 
Rate (APR)
For Purchases, Cash 
Advances & Balance 
Transfers

Penalty APR & 
When It Applies

Interest Rates and Interest Charges
6.99% to 17.99%, 
based on your creditworthiness when you open your account.

This APR will vary with the market based on the U.S. Prime Rate.

17.99%
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 may apply until you make six consecutive minimum 
payments when due.  

Paying Interest

Your due date is approximately 25 days after the close of each billing cycle.  We 
will not charge any interest on the portion of the purchases balance that you pay 
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 
Federal Reserve 
Board

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at:
www.federalreserve.gov/creditcard

Annual Fee

None

Fees

Transaction Fees
Cash Advance /Balance Transfer Fee:
Foreign Transfer Fee

2% of amount of advance ($25 maximum)
Up to 1% of  the US Dollar amount of the foreign transaction.

Penalty Fees
Late Payment Fee
Returned Payment Fee

Loan Protection

Up to $25
Up to $20

Other Card Features

If you elect to obtain the optional loan protection coverage and pay the 
monthly protection fees, we will cancel your payments and outstanding 
balance if you die, become disabled or become involuntarily unemployed.

visa® cards

Since 1933, Seattle Metropolitan Credit Union 
(SMCU) has been a financial cooperative, 
providing services to the employees and 
family members of the City of Seattle. Since 
then, the credit union has expanded its 
charter to include anyone who lives or works 
in the State of Washington. 

SMCU is guided by the 7 Cooperative 
Principles that date back to some of the 
earliest co-ops that formed in the 1800s. To 
this day these principles form the foundation 
on which cooperatives around the world 
provide benefits to their members. Seattle 
Metropolitan Credit Union has adapted these 
principles to the financial needs and goals 
of its members; they provide the standard 
against which the credit union is operated. 
To learn more about SMCU’s 7 Principles,       
visit www.smcu.com.

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

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided
in your Credit Card Account Agreement.

The above rates and fees are effective as of 9/14/2011.

* For more information regarding SMCU Visa® cards, please see the Credit Card Agreement.

contact center
206.398.5500 | 1.800.334.2489 | TTY 206.398.5697
PO Box 780, Seattle, WA 98111-0780 | www.smcu.com

SMCU 4002  9/11

NCUA  (National  Credit  Union  Administration,  a  U.S.  Government 
Agency)  Your  savings  federally  insured  to  at  least  $250,000  and 
backed by the full faith and credit of the United States Government.

visa® card

security
verified by Visa®

•  Register your SMCU Visa® card with 
Verified by Visa® for added security 
when making purchases online.

• 

• 

 It’s easy! Visit www.smcu.com and 
follow the links to Verified by Visa®.

 It’s Quick! You can instantly choose 
your personal password. Each time 
you shop at a participating Verified 
by Visa® merchant, you’ll be asked for 
your password before making online 
purchases. For a list of participating 
merchants click on the Verified by 
Visa® link at www.smcu.com.

convenience
access where you need it

•  Worldwide purchasing power and 
24-hour cash machine access.

•  Use your SMCU Visa® card to 

rent a car and you’ll have 24-hour 
insurance coverage for damage due 
to collision or theft.

•  No annual fee.

•  Visa® Autopay makes paying your 

bills easy.

•  Write yourself a loan for unexpected 
expenses or consolidate balances 
from higher-interest cards with 
convenience checks.

•  SMCU’s View Your Visa®: View 
charges, payments and credits 
to your accounts online. Visit         
www.smcu.com and log in to  
Online Banking.

rewards
CU Rewards™ earns you free merchandise 
and travel

• 

 Each time you use your SMCU 
Visa® Credit Card you will earn 
valuable reward points toward FREE 
Merchandise & Travel. 

•  One dollar charged equals one 

reward point. No points are earned 
for cash advances, convenience 
checks or consolidations.

•  Choose from hundreds of name-

brand products.

• 

• 

 Use your points for travel awards 
and go almost anywhere in the world 
via air, rental car, or cruise ship.

 Redeeming your CU Rewards™ 
points is quick and easy through our 
website at www.smcu.com. 

apply

•  Complete and mail the attached 

postage-paid application or drop it 
off at any branch location.
or

•  Call the Contact Center at the 

number below to apply by phone.
or

•  Visit www.smcu.com and complete 

the online application.

• 

 If you have any questions about 
SMCU’s Visa® Credit Card, call the 
Contact Center at 206.398.5500 or 
800.334.2489

SMCU visa® credit card application

Individual Credit

Joint Credit

1.  Complete the applicant section if you are relying on your own income and assets to establish credit.
2.  Complete co-applicant section providing information about your spouse if you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI.)  

applicant

Last Name

First Name

Middle Initial

SMCU Member #

Social Security #

Current Address

Previous Address

City

City

State

State

Zip

Zip

Years at Current Address

Years at Previous Address

Home Phone

Work Phone

Marital Status

Date of Birth

Email

Name of Current Employer

Occupation

Years at Current Employer?

Mother’s Maiden Name

$
Monthly Gross Salary

$
Your Residence Value

co-applicant

$
Additional/Retirement Income*

Source

Own

Rent

$
Monthly Payment

$
Mortgage Balance

$
Child Support Payment

Last Name

First Name

Middle Initial

SMCU Member #

Social Security #

Current Address

City

State

Zip

Years at Current Address

Home Phone

Work Phone

Marital Status

Date of Birth

Email

Name of Current Employer

Occupation

Years at Current Employer?

Mother’s Maiden Name

$
Monthly Gross Salary

$
Your Residence Value

$
Additional/Retirement Income*

Source

Own

Rent

$
Monthly Payment

$
Mortgage Balance

$
Child Support Payment

your references (list two relatives or close friends not living with you.) 

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Name

Name

Relationship

Address

City/State/Zip

Relationship

Address

City/State/Zip

Phone

Phone

balance transfers 
Please transfer the high-rate credit card balances listed here to my SMCU Visa® Credit Card account. I understand that I may only transfer balances up to my available credit limit and that SMCU is not responsible for lost or stolen payments. 
I understand that balance consolidations will be treated as a cash advance and will start accruing interest immediately. (To expedite your request, please include a copy of your recent credit card statement(s).)

Loan or Credit Card #1 Payable to:

Loan or Credit Card #2 Payable to:

Account #:

Address to mail payments to:

Transfer Amount:

Account #:

Address to mail payments to:

Transfer Amount:

Sign me up for Visa® Autopay!

If from another institution, please specify:

Account Number:

Everything that I stated in this application is correct to the best of my knowledge. The credit union is authorized to check my credit, employment history, obtain a credit report, and to evaluate my credit experience with the credit union. 
I understand that it may be a federal crime, punishable by fine, imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the United States’ criminal code. I 
understand that if I use the card or authorize its use or do not cancel my account within 30 days after I receive the card, the Seattle Metropolitan Credit Union card agreement sent to me with my notification of approval will be binding upon 
me. I have read and understand the credit terms in the chart on this form. Terms and conditions are subject to change. I am granting to SMCU a security interest in any and every deposit account and certificate I now have, or from time 
hereafter have, at SMCU, on and against all monies from time to time owed by me pursuant to the terms of my Visa® Agreement with SMCU. Each such deposit account and certificate is hereby assigned to SMCU to secure payment of my 
obligation under my Visa® Agreement.

Applicant’s Signature

Date

Co-Applicant’s Signature

Date

*Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as basis for repayment of this loan.

Requested Limit: