P.O. BOX WSECU
Olympia, WA 98507
800.562.0999

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate as of ___________________. You can contact us toll free at (800) 562-0999 or P.O. Box WSECU, Olympia, WA 98507 to 
inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate 
(APR) for Purchases, 
Cash Advances, & 
Balance Transfers

Paying Interest

_______%-_______%
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
-Annual Fee:
-Application Fee:

None
None

Transaction Fees
-Balance Transfer:
-Cash Advance:
-Foreign Transaction:

Penalty Fees
-Over-the-Credit Limit:
-Returned Payment:
-Late Payment:

None
2% of the amount advanced up to $25.00
None

None
None
$25.00 or your minimum payment required, whichever is less. Balances of $25.00 
or less must be paid in full.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the ‘Prime Rate’ in the ‘Money Rates’ column 
of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: _______%-_______% depending 
on your credit history. The interest rate can change monthly on the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will 
never be more than 18.00%. Any increase will take the form of more payments of the same amount.

Skip Payment:  If we make a skip payment option available, you may skip making your payment(s) for certain month(s). If you choose this option, interest 
will continue to accrue, but no late payment charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will 
again apply once the skip period has expired. A Skip a Pay fee of $15.00 will apply.

MKT-371 03.16