7/8/2019

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VISA PLATINUM POINTS CHOICE REWARDS

Visa Platinum  Points Choice Rewards

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APPLY FOR A VISA CREDIT CARD (/products-services/loans/online-loan-applications)

Our options include:

Visa Platinum  Points Choice Rewards - See Below

®

Visa Platinum  Rewards (/learn/rates-center/visa-platinum-rewards)

®

Visa Platinum  Secured (/learn/rates-center/visa-platinum-secured)

®

Visa Platinum  Low Rate (/learn/rates-center/visa-platinum-low-rate)

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Visa Signature  Rewards (/learn/rates-center/visa-signature-rewards)

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Visa Platinum  Points Rewards Disclosure

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INTEREST RATE AND INTEREST CHARGES

14.25% to 18.00% 
This APR will vary with the market based on the Prime Rate.
14.25% to 18.00% 
This APR will vary with the market based on the Prime Rate.
14.25% to 18.00% 
This APR will vary with the market based on the Prime Rate.
18.00% 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 of six (6) months or payment cycles.

Your due date is approximately twenty-five (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 Consumer Financial Protection Bureau at
http://www.ConsumerFinance.gov/LearnMore (http://www.consumerfinance.gov/learnmore).

Home Equity
Freedom

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

Annual Fees

Balance Transfer

Cash Advance

Foreign Transaction Fees

ATM Transaction

Transaction Fees

None
$0.00 or 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.

None

None

None

Penalty Fees

Late Payment

Up to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to thirty-seven dollars ($37.00). This applies
to payments received after five (5) days from the due date.

Over Limit Fee (Opt In)

Return Payment

Up to $15.00

Up to $20.00

Card Replacement

Returned Statement

$10.00

You will be charged one dollar ($1.00) for each monthly billing statement that is returned.

Other Fees

Copies of Visa Transaction
Receipts and Statements
https://www.members1st.org/learn/rates-center/visa-platinum-points-choice-rewards

You will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit, Cash Advance, or of a monthly billing
statement (except in connection with the resolution of a billing error).

Card Service
services

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(800) 283-232
(tel:+1800283

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*APR=Annual Percentage R

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7/8/2019
How We Will Calculate Your Balance: We use a method called "average daily balance" (Including new purchases). See your account agreement for further information regarding how
we calculate your balance. The above rates and fees are current as of January 1, 2019. The variable APRs are based on the current Prime Rate of 5.50%.

Visa Platinum Points Choice Rewards | Members 1st Federal Credit Union

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly account statement.

®

ScoreCard  Bonus Point Program: Account holders earn one (1) Bonus Point for every one dollar ($1.00) of qualifying credit card purchases. For more details on how your points are
earned and redeemed please visit ScoreCardRewards.com (http://www.scorecardrewards.com).

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate
must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain
participation fees for a credit card account). The audio version of this disclosure can be heard by calling 1-800-309-1766 (tel:18003091766).

View Credit Card Agreement (/products-services/card-services/credit-card-agreement)

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

5000 Louise Drive, PO Box 40 

Mechanicsburg, Pennsylvania 17055

 (800) 283-2328

Routing Number: 231382241

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We do business in accordance with the  Federal Fair Housing Law and  Equal Credit Opportunity Act. (http://portal.hud.gov/hudportal/HUD) This credit union is federally insured by the

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National Credit Union Administration. (http://www.ncua.gov/Pages/default.aspx)

Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and

usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288 (tel:+18002377288). All products and

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