IMPORTANT INFORMATION CONCERNING 
RATES AND FEES FOR CREDIT CARDS

You’re worth more (to us).

  Interest Rates and Interest Charges

Mastercard Platinum Member Rewards Card 

Annual Percentage Rate 
(APR) for Purchases and
APR for Balance Transfers
and Cash Advances

12.24%* - 14.24%* This APR will vary with the market based on the
Prime Rate**.

Penalty APR and When 
it Applies

No penalty APR

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 interest on purchases if you pay your entire balance by the 
due date each month. We will begin charging interest on cash advances and 
balance transfers on the transaction date.

Minimum Interest Charge

No minimum interest charge

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/ask-cfpb/category-credit-cards/

  Fees
Annual Fee

Transaction Fee

None

• Foreign Transaction

Up to 1% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment
• Returned Payment

Up to $25 
Up to $25

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” See the Credit Card Agreement and Disclosure Statement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in the Credit Card Agreement and Disclosure Statement.

The information about the costs of the cards described in this application is accurate as of 4/1/2020. This 
information may have changed after that date. To find out what may have changed, call 1-800-817-8234 or 
write to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848

* The Variable rate shown here is accurate based on a Prime Rate of 3.25% as of 4/1/2020. We add a margin 
of 8.99% - 10.99% to the Prime Rate to determine the Purchase/Balance Transfers/Cash Advances Annual 
Percentage Rate of 12.24% - 14.24%.  Daily Periodic Rate .034219% - .039014%.

**The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal as of 
the last business day of the month. 

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY  INTEREST  IN  ALL 
INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE 
REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS 
SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, 
DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.             

Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment 
under state or federal law if given as security are not subject to the security interest you are giving.