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RATES CENTER (/LEARN/RATES-CENTER)

VISA PLATINUM REWARDS

Visa Platinum Rewards

®

APPLY FOR A VISA CREDIT CARD (/products-services/loans/online-loan-applications)

Our options include:

• Visa Platinum Points Choice Rewards Credit Card (/learn/rates-center/visa-platinum-points-choice-rewards)

®

• Visa Platinum Rewards - See Below

®

• Visa Platinum Secured (/learn/rates-center/visa-platinum-secured)

®

• Visa Platinum Low Rate (/learn/rates-center/visa-platinum-low-rate)

®

• Visa Signature Rewards (/learn/rates-center/visa-signature-rewards)

®

Visa Platinum Rewards Disclosure

®

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

Late Payment

Over Limit Fee (Opt In)

Return Payment

Card Replacement

Returned Statement

INTEREST RATE AND INTEREST CHARGES

13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.
13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.
13.50% 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).

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

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.

Up to $15.00

Up to $20.00

$10.00

Other Fees

You will be charged one dollar ($1.00) for each monthly billing statement that is returned.

Card S
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*APR=Annual P

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Copies of Visa Transaction Receipts and Statements

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).

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 November 1, 2019. The variable APRs are based on the current Prime Rate of 4.75%.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly account statement.

Cash Rewards Information: Account holders will earn 1% cash rewards on all new qualifying net purchases (less credits, returns and adjustments) and will earn 2% cash rewards on 
all new qualifying net purchases for gas, groceries and wholesale clubs. 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, Non-Expiring Rewards, web site information, 
at 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)

Quick Links

 5000 Louise Drive, PO Box 40

Mechanicsburg, Pennsylvania 17055

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 (800) 283-2328

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© 2020 Members 1st FCU. All Rights Reserved.

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  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 services available on this website are available at all Members 1st branch locations (/member-branches).

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