Become a Member (https://nao.members1st.org/Consumer/login/default.aspx?
enc2=CjDDGQgp6ViDEpMSQAmj1DpNvsWrmH9s1AgOht371xlj5kqNTpmGw1nSXRODDCbcDWghTqpNTq­
BKsvJU5o3N1JxpvPCn3uM3gwD3ClJu383JdLYBQ8uEjm1zLS9vO2C)
Video Library (http://www.members1st.tv/)
El Poder es Tuyo ¡Administra tu Dinero! (/el­poder­es­tuyo/)
Locations (/contact­us/branch­atm­locator/)

Careers (/about­us/careers­opportunities/)

(/)

HOME (/)

LEARN (/LEARN/)

RATES CENTER (/LEARN/RATES­CENTER/)

(http://www.members1stinvestments.com/)(/learn)

(/products­services)

VISA PLATINUM SELECT CREDIT CARD

(/membership­benefits)

(/about­us)

Search

VISA Platinum Select Credit Card

(/contact­us)

Apply Online For A VISA Credit Card (/products­services/loans/online­loan­applications)

Our options include:

VISA Platinum Points Choice Rewards Credit Card (/learn/rates­center/visa­platinum­points­choice­rewards)

VISA Platinum Cash Rewards Credit Card (/learn/rates­center/visa­platinum­cash­rewards)

VISA Platinum Secured Credit Card (/learn/rates­center/visa­platinum­secured­credit­card)

VISA Platinum Select Credit Card ­ See Below

VISA Platinum Select Credit Card Disclosure

Annual Percentage Rates (APR)
for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and
When It Applies

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection
Bureau

VISA Platinum Select Credit Card Disclosure

Interest Rates and Interest Charges*

Your APR will be 8.5% ­ 18.0%, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

8.5% ­ 18.0%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
8.5% ­ 18.0% when you open your account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

18.0% If your account becomes 60 days delinquent.

How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be
applied to your balances for a minimum period of six months or payment cycles. Penalty APR will apply until you
become current and make six consecutive minimum monthly payments.

Your due date is approximately 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.

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
(http://www.consumerfinance.gov/learnmore).

Annual Fee

Foreign Transaction Fees

None

None

Fees

Penalty Fees

Late Payments

Over Limit Fee (Opt In)

Return Payment Fee

Expedited Card Replacement Fee

Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.

Up to $15.00

$20.00

$10.00

How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases).
The above rates and fees are current as of January 1, 2016. The variable APRs are based on the current Prime Rate of 3.5%.

VISA Platinum Select Credit Card Agreement

LEARN (/LEARN)

PRODUCTS & SERVICES (/PRODUCTS­SERVICES)

Advice Center (/learn/advice­center)

Loans (/products­services/loans)

Calculators (/learn/financial­calculators)

Deposit Accounts (/products­services/deposit­accounts)

Rates Center (/learn/rates­center)

Electronic & Mobile Services (/products­services/electronic­mobile­services)

Calendar of Events (/learn/calendar­of­events)

Card Services (/products­services/card­services)

Resources (/learn/resources)

Mortgage Services (/products­services/mortgage­services)

Loan Center (/products­services/loans)

(/products­
services/loans/home­
equity­loans­lines­
of­credit)

(/products­
services/loans/auto­
motorcycle)

(/products­
services/loans/personal­
loans)

(/products­
services/loans/recreational­
vehicles)

(/products­
services/student­
services)

(/products­
services/loans/consumer­
financing­program)

(/products­
services/loans/lending­
insurance)

(/products­
services/card­
services)

(/products­
services/card­
services/visa­
balance­transfer)

(/products­services/green­path)

To reach our Card Services experts call:
(800) 283­2328, ext. 6035
(tel:+18002832328p6035)

Contact Us (/contact­us/)

Find a Branch (/contact­us/branch­atm­
locator/)

Certificate Special
Offer

Home Equity Line
of Credit

VISA Balance
Transfer

APY*

1.45%

Click for Details
(/promotions/special­
certificate­rate)

APR*

APR*

1.99%

Click for Details
(/heloc)

1.90%

Click for Details
(/products­
services/card­
services/visa­
balance­transfer)

(/learn/rates­center)

*APR=Annual Percentage Rate   **APY=Annual Percentage Yield

(/products­
services/loans/online­
loan­applications)

MEMBERSHIP & BENEFITS (/MEMBERSHIP­BENEFITS)

ABOUT US (/ABOUT­US)

Business Services (/products­services/business­services)

Investment Services (http://www.members1stinvestments.com/)

Learn How To Become A Member (/membership­benefits/all­about­membership/)

All About Members 1st (/about­us/all­about­members­1st)

Insurance Services (/products­services/insurance­services)

Become A Select Employer Group (/membership­benefits/become­a­select­employer­group//)

Careers & Opportunities (/about­us/careers­opportunities)

Student Services (/products­services/student­services)

Other Services (/products­services/other­services)

Important Documents (/about­us/important­documents)

CONTACT US (/CONTACT­US)

Directory (/contact­us/directory)

Branch & ATM Locator (/contact­us/branch­atm­locator)

Member Branches and Hours (/member­branches)

Fraud & Security Center (/contact­us/fraud­security­center/)

Internet Terms & Usage (/about­us/important­documents/internet­terms­usage)
Email Security & Privacy Policy (/privacy) Fraud & Security Center (/contact­us/fraud­security­center/)
Contact Us (/contact­us) Find a Branch (/contact­us/branch­atm­locator)
(https://sealinfo.verisign.com/splash?

(http://www.bankwebsiteaudits.com/seal_information.htm)

 
(https://sealinfo.verisign.com/splash?
form_file=fdf/splash.fdf&type=GOLD&sealid=2&dn=WWW.MEMBERS1ST.ORG&lang=en)

(http://www.bankwebsiteaudits.com/seal_information.htm)

© 2016 Members 1st FCU. All Rights Reserved. Federally insured by NCUA. Equal Opportunity and Housing Lender.
(http://portal.hud.gov/hudportal/HUD)