page 1 of 2IMPORTANT CREDIT CARD DISCLOSURES
9009 LASER ML FPDF FI11575 Rev 2-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate(APR) for Purchases &Cash Advances
depending on your credithistory. This APR will varywith the market based onthe Prime Rate*.
Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge youinterest on purchases or balance transfers if you pay your entire new purchase or balancetransfer balance by the due date each month. We will begin charging interest on cash advanceson the date the cash advance is posted to your account.The following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of ___________________. You can contact us toll free at (800) 562-0999 or P.O. Box WSECU, Olympia, WA98507 to inquire if any changes occurred since the effective date.
Minimum Interest ChargeTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore
NoneFor Credit Card Tips fromthe Consumer FinancialProtection Bureau_______%-_______%
Washington State Employees Credit Union
P.O. Box WSECUOlympia, WA 98507(800) 562-0999
WSECU PLATINUMWSECU CASHBACKWSECU LOW RATEWSECU CREATE***
APR for BalanceTransfers**0% Introductory APR onbalance transfers for 6months if the transfer ismade within 60 days ofaccount opening. After that,your Standard APR will be______%- ______%depending on your credithistory. This APR will varywith the market based onthe Prime Rate*.
SEE NEXT PAGE for more important information about this account_______%-_______%
depending on yourcredit history. ThisAPR will vary withthe market basedon the Prime Rate*._______%-_______%
depending on your credithistory. This APR will varywith the market based onthe Prime Rate*._______%
This APR will varywith the marketbased on the PrimeRate*.______%-______%depending on yourcredit history. ThisAPR will vary withthe market basedon the Prime Rate*.0% Introductory APR onbalance transfers for 6months if the transfer ismade within 60 days ofaccount opening. After that,your Standard APR will be______%- ______%depending on your credithistory. This APR will varywith the market based onthe Prime Rate*.______%This APR will varywith the marketbased on the PrimeRate*.
FEES:
Fees to Open or Maintainyour Account- Annual Fee:- Application Fee:NoneNone
Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:
None2% of the amount advanced up to $25.00None
Penalty FeesNoneNoneApplies to WSECU Create only: First time payment is late: $10.00 or your minimum paymentrequired, whichever is less. Second time payment is late: $20.00 or your minimum paymentrequired, whichever is less. All subsequent late payments: $25.00 or your minimum paymentrequired, whichever is less.Applies to all other cards: $25.00 or your minimum payment required, whichever is less.Balances of $25.00 or less must be paid in full.- Over-the-Credit Limit:- Returned Payment:- Late Payment:
July 18, 2022
12.25
14.25
7.75
16.75
23.75
25.75
19.25
14.25
16.75
25.75
12.25
23.75
7.75
19.25 How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make alate payment.*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'PrimeRate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equalto the Prime Rate plus a margin of: _______%-_______% depending on your credit history. The interest rate can changemonthly on the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be morethan: 29.99%. Any increase will take the form of more payments of the same amount.**Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Ratedoes not apply to balances transferred from other WSECU credit cards or loans.***On-Time Payment Discount (Applies to WSECU Create only): You will receive a 0.25% discount on the APRs disclosed on page 1 each time you make a series of six consecutive qualifying payments on or before the payment due date in a billingcycle, up to a maximum total of a 2% discount. A �qualifying payment� is one you have made on or before the payment due datein a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-timepayments in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you makesix consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in theparagraph. If you make a late payment, the number of accrued qualifying payments resets to zero and you must, from thatpoint, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make alate payment.Skip Payment (Applies to all cards except WSECU Create) : 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 paymentcharges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again applyonce the skip period has expired. A Skip a Pay fee of $15.00 will apply.Cash Back (Applies to WSECU Cash Back Signature only) : 1% cash back will be paid on purchases made on your card. 1% cash back will not be earned on cash advances from an ATM, convenience checks, finance charges, or any fees assessed onyour account, including foreign transaction fees. One-half percent (.50%) cash back will be paid on all payments to youraccount. Cash back earned on eligible transactions during a billing cycle will be applied as a credit to your account on the lastday of the same billing cycle in which the transactions post to your account. Billing cycles typically end on the seventeenth(17th) of each month.
page 2 of 2COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 9009 LASER ML FPDF FI11575 Rev 2-2020
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