11/2/21, 10:36 AM Low-Rate Platinum V isa� Credit Card Disclosures & Details | UMassFive
https://www .umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures 1/3Disclosur es
The curr ent prime r ate is: 3.25%. Rates eff ectiv e as of Oct ober 26,
2021.�Rates subject t o change at any time.
� Variable r ates subject t o change. Rates ar e based on an index of Prime
Rate plus a mar gin of 6.50%, 7.50%, 8.50%, or 10.50% based on y our cr edit
scor e.
� Total amount of all unsecur ed loans and lines of cr edit ma y not ex ceed
$50,000 per member .
� You ha ve 25 da ys to repay your balance for pur chases in full b y the
payment date on y our periodic billing statement.
� Method of computing the balance for pur chases: A verage Daily Balance
(excluding new pur chases). > Personal  (/personal)  > Credit Car ds (/personal/cr edit-car ds)
> Low Rate Visa� Platinum  (/personal/cr edit-car ds/low-r ate-visa-platinum)
> Low Rate Platinum Visa� Cr edit Car d Disclosur es & Details
Low-Rate Platinum Visa� Cr edit
Card Disclosur es & Details 11/2/21, 10:36 AM Low-Rate Platinum V isa� Credit Card Disclosures & Details | UMassFive
https://www .umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures 2/3� Fees: 
o $27.00 Late F ee 
o $10.00 Car d Replacement  
o $20.00 Placed on Re voked List  
o $5.00 Dr aft Cop y 
o 3% Cash Adv ance F ee (min. $10.00)  
o $5.00 Char geback  
o $27.00 Returned P ayment F ee
� The minimum monthly pa yment is 2% of the unpaid balance with a
minimum pa yment of $25. Ther e are no default r ates, limits as high as
$25,000, and 24-hour cust omer ser vice suppor t.
Details
Our Low Rate Platinum Visa� Cr edit Car ds all come with benets off ered b y
Visa.  (https:/ /usa.visa.com/suppor t/consumer/car d-benets.html/)
<-- Back t o Low Rate Platinum Visa Cr edit Car ds P age (/personal/cr edit-
cards/low-r ate-platinum-visa)
Routing Number: 211880271
NMLS Number: 460131
� 11/2/21, 10:36 AM Low-Rate Platinum V isa� Credit Card Disclosures & Details | UMassFive
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