Platinum Visa® with Rewards1                                                                                                                                                             Rates Effective: 5/22/2013 

Interest Rates and Interest 
Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances & Balance 
Transfers 

3.99% for introductory period of 6 months  
After that, your APR will be 6.9%-16.9% based on credit worthiness. This 
APR will vary with the market based on the Prime Rate. 

6.99% for introductory period of 12 months  
After that, your APR will be 8.9%-18.9% based on credit worthiness. This 
APR will vary with the market based on the Prime Rate. 

Penalty APR 

3.0% above current Interest Rate - This APR may be applied when: 

 
 
 

Your minimum monthly payment is more than 60 days late 
You have more than one late payment in 12 months 
You are in default of any other terms of the Agreement 

How long will the Penalty apply? If your APR is increased for any of these 
reasons, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 

How to Avoid Paying Interest on 
Purchases 

Your due date is approximately 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you pay 
by the due date each month. 

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 

Annual Fees 

Transaction Fees 

None 

 

Foreign Transaction Fee 

Up to 1% of the US dollar amount of the foreign transaction 

Penalty Fees 

 

 

 

Late Payment Fee 

Returned Check Fee 

Card Replacement Fee 

$25 for balances >$1000 
$20 for balances $100-$1000 
$10 for balances <$100 

$25 

$5 

1How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).  

Minimum Payment: 1% of outstanding balance or $10.00, whichever is greater. 

We reserve the right to amend the OnPoint Visa® Credit Card Agreement as permitted by law. The above rates and fees are current 
as of May 1, 2013. 

  
  
  
  
  
  
 
 
 
 
 
Platinum Visa®1                                                                                                                                                                                                                    Rates Effective: 5/22/2013 

Interest Rates and Interest 
Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances & Balance 
Transfers 

3.99% for introductory period of 6 months  
After that, your APR will be 5.9%-15.9% based on credit worthiness. This 
APR will vary with the market based on the Prime Rate. 

6.99% for introductory period of 12 months  
After that, your APR will be 7.9%-17.9% based on credit worthiness. This 
APR will vary with the market based on the Prime Rate. 

Penalty APR 

3.0% above current Interest Rate - This APR may be applied when: 

 
 
 

Your minimum monthly payment is more than 60 days late 
You have more than one late payment in 12 months 
You are in default of any other terms of the Agreement 

How long will the Penalty apply? If your APR is increased for any of these 
reasons, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 

How to Avoid Paying Interest on 
Purchases 

Your due date is approximately 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that you pay 
by the due date each month. 

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 

Annual Fees 

Transaction Fees 

None 

 

Foreign Transaction Fee 

Up to 1% of the US dollar amount of the foreign transaction 

Penalty Fees 

 

 

 

Late Payment Fee 

Returned Check Fee 

Card Replacement Fee 

$25 for balances >$1000 
$20 for balances $100-$1000 
$10 for balances <$100 

$25 

$5 

1How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).  

Minimum Payment: 1% of outstanding balance or $10.00, whichever is greater. 

We reserve the right to amend the OnPoint Visa® Credit Card Agreement as permitted by law. The above rates and fees are current 
as of May 1, 2013. 

All loan rates are determined by credit union management and subject to change at any time. The Credit Union may offer 
other rates in the future. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, 
federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the 
credit union. All loans subject to credit approval.