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 7/1/2022. 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 4.75% as of 7/1/2022. 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 13.74% - 15.74%.  Daily Periodic Rate .037644% - .043123%.
**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 HA VE 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.Annual Percentage Rate 
(APR) for Purchases and
APR for Balance Transfers
and Cash Advances
Penalty APR and When 
it Applies
How to Avoid
Paying Interest on 
Purchases
Minimum Interest Charge
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau13.74%* - 15.74%* This APR will vary with the market based on the 
Prime Rate**.  Interest Rates and Interest Charges
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.No penalty APR
No minimum interest charge
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
    �  Foreign Transaction
Penalty Fees
    �  Late Payment
    �  Returned PaymentNone
Up to 1% of each transaction in U.S. dollars.
Up to $25 
Up to $25Mastercard Platinum Member Rewards Card IMPORTANT INFORMATION CONCERNING 
RATES AND FEES FOR CREDIT CARDS
You�re worth more (to us).