Credit Union West Credit Card Agreement Pricing Addendum

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate as of _______________. You can contact us at (602) 631-3200, toll free at (800) 621-0287, or the address on page 1,
to inquire if any changes occurred since the effective date.

May 1, 2022

INTEREST RATES and INTEREST CHARGES:

MasterCard Platinum Rewards

MasterCard Platinum

Annual Percentage Rate (APR)
for Purchases & Balance
Transfers

(cid:20)(cid:20).(cid:23)9% to (cid:21)(cid:23).(cid:19)(cid:19)%
depending on your credit history. This 
APR will vary with the market based on 
the Prime Rate.

8.49% to (cid:21)(cid:23).(cid:19)(cid:19)%
depending on your credit history. This 
APR will vary with the market based on 
the Prime Rate.

APR for Cash Advances

Paying Interest

24.00

11.49
_____% to _____% depending on your
credit history. This APR will vary with the
market based on the Prime Rate.

24.00

8.49
_____% to _____% depending on your
credit history. This APR will vary with the
market based on the Prime Rate.

Your due date is at least 21 days after we mail your billing statement. We will not
charge you interest on purchases if you pay your entire new purchase balance by the
due date each month. We will begin charging interest on cash advances and balance
transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

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
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain your
Account

(cid:149) Annual Fee:

None

Transaction Fees

(cid:149) Balance Transfer:

None

(cid:149) Cash Advance:

2.00% of the amount of each cash advance

(cid:149) Foreign Transaction:

2.00% of each transaction in U.S. dollars

Penalty Fees

(cid:149) Late Payment:

Up to $28.00 the first time your payment is late 2 days or more (fee will not exceed
payment if payment due is under $28.00). If you make a subsequent late payment
within the following 6 billing cycles, you will be charged up to $39.00 for each late
payment (fee will not exceed payment if payment due is under $39.00).

(cid:149) Over-the-Credit Limit:

None

(cid:149) Returned Payment:

Up to $28.00 the first time your payment is returned for any reason (fee will not exceed
payment if payment due is under $28.00). If a subsequent payment is returned for any
reason within the following 6 billing cycles, you will be charged up to $35.00 for each
returned payment (fee will not exceed payment if payment due is under $35.00).

How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)." See 
the "How We Calculate Interest" section of the Credit Card Agreement for more details.