Welcome to Cal Coast. We're glad you're here.

Credit Card Rates

Rates accurate as of 4/18/2016 and may change after this date.

At California Coast Credit Union, our Visa Platinum and Visa Platinum Choice Rewards let you enjoy your spending power, take
advantage of our low credit card rates and pay off your high interest cards at the same time! With our Visa Platinum and Visa
Platinum Choice Rewards, anything is possible!

Visa Platinum and Visa Platinum Choice Rewards Credit Card Disclosure Summary

Annual Percentage
Rate (APR) for
Purchases and
Balance Transfers

Annual Percentage
Rate (APR) for Cash
Advances

Interest Rates and Interest Charges

10.99% to 15.99% Visa Platinum 

11.99% to 16.99% Visa Platinum Choice Rewards 

13.99% Visa Platinum Student 

15.99% Visa Platinum Secured 
Actual rate determined when you open your account, based on your creditworthiness. After

that, the APR will be non-variable.

12.99% to 17.99% Visa Platinum 

13.99% to 18.99% Visa Platinum Choice Rewards 

13.99% Visa Platinum Student 

15.99% Visa Platinum Secured 
Actual rate determined when you open your account, based on your creditworthiness. After

that, the APR will be non-variable.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you

Paying Interest

any 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.

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Annual Fee

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.

$20 Visa Platinum Secured

Transaction Fees

Balance
Transfer

Cash
Advance

Foreign
Transaction

Late
Payment

Card
Replacement

Visa Platinum and Visa Platinum Choice Rewards 

3% of Advance ($5 Minimum and No Maximum)

All Visa Cards 

3% of Advance ($5 Minimum and No Maximum)

All Visa Cards 

Visa charges a 1% International Service Assessment fee for Multiple Currency Conversion Rate
adjustments. If there is no currency conversion, Visa charges a 0.8% Single Currency Conversion
Rate adjustment fee.

Penalty Fees

$10 (if 10 or more days late)

Other Fees

$5

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your credit

card agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account

agreement. 

*All information is accurate as of April 18, 2016 and is subject to change without notice. For current rates and terms, please contact

California Coast Credit Union at (858) 495-1600 or (877) 495-1600. All loans subject to approval

Call Us (877) 495-1600

© California Coast Credit Union
Federally Insured By NCUA