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APY*

1.45%

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APR*

APR*

1.99%

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1.90%

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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield

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VISA Platinum Cash Rewards

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Our options include:

VISA Platinum Points Choice Rewards Credit Card (/learn/rates­center/visa­platinum­points­choice­rewards)

VISA Platinum Cash Rewards Credit Card ­ See Below

VISA Platinum Secured Credit Card (/learn/rates­center/visa­platinum­secured­credit­card)

VISA Platinum Select Credit Card (/learn/rates­center/visa­platinum­select­credit­card)

VISA Platinum Cash Back Rewards Credit Card Disclosure

VISA Platinum Cash Back Rewards Credit Card Disclosure

Interest Rates and Interest Charges*

12.0% to 17.99% based on your creditworthiness at time of application. After account opening, your APR will
vary with the market based on the Prime Rate. Upon renewal your APR may be adjusted based upon your
creditworthiness at that time.

12.0% to 17.99% when you open your account, based on your creditworthiness. 
After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be
adjusted based upon your creditworthiness at that time.

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.

Annual Percentage Rates (APR)
for Purchases

APR for Cash Advances, Balance
Transfers

Penalty APR and
When It Applies

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection
Bureau

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.

Cash Rewards Information: Your Members 1st FCU VISA Platinum Cash Rewards card will earn 1.0% cash rewards on all new qualifying net purchases (less credits,
returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net purchases at eligible grocery merchants and gas merchants. Eligible grocery
merchants are classified by standard industry codes (SIC) of 5411 and 5451. Eligible gas merchants are classified by standard industry codes (SIC) of 5541 and 5542. Each
quarter (defined as January through March, April through June, July through September, and October through December) there is a limit of a total of $1,500.00 of the eligible
SIC code merchants to receive the 2.0% cash rewards, after the $1,500.00 limitation for that specific quarter all applicable transactions will receive the standard 1.0% cash
reward only. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with these SIC codes which will result in receiving only 1.0%
cash rewards. Balance Transfers, Cash Advances, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your
account become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited.

Cash Rewards Redemption Options: Outline ScoreCard Rewards redemption options, minimum redemption amount $25.00, Non­Expiring Rewards, web site information, at
www.scorecardrewards.com (http://www.scorecardrewards.com).

Balance Transfers: All Balance Transfer requests are determined by your available line of credit and should your request exceed that amount it will be declined. You do have
the ability to request a line of credit increase to support your request if need be. Please allow a minimum of up to two (2) weeks for processing and receipt by the identified
recipients. Members 1st FCU are not responsible for any fees or interest associated with the identified recipient account transfers. It is your responsibility to make all
minimum payments on any account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if you select. Balance
Transfers can be credited directly to a member's checking or savings account. All Balance Transfers incur interest charges at the disclosed APR from the time of the
transaction date, not the check clearing date by the recipient.

VISA Platinum Cash Back Rewards Credit Card Agreement

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