Welcome to Cal Coast. We're glad you're here.

Credit Card Rates

1
Rates accurate as of 7/18/2016 and may change after this date.

At California Coast Credit Union, our Platinum and Platinum Choice Rewards credit cards let you enjoy your spending power, take
advantage of our low rates and pay off your high interest cards at the same time! With our Platinum and Platinum Choice Rewards
cards, anything is possible!

Platinum and Platinum Choice Rewards Credit Card Disclosure Summary

Annual Percentage
Rate (APR) for
Purchases and
Balance Transfers

Annual Percentage
Rate (APR) for Cash
Advances

Interest Rates and Interest Charges

2
2.88% Introductory APR until 6/30/18. After that, 9.88% to 15.88% Platinum Credit Card  
Actual rate determined when you open your account, based on your creditworthiness. After that, the APR
will be non-variable.

10.88% to 16.88% Platinum Choice Rewards Credit Card 

13.99% Platinum Student Credit Card 

15.99% Platinum Secured Credit Card 
Actual rate determined when you open your account, based on your creditworthiness. After that,

the APR will be non-variable.

9.88% to 15.88% Platinum Credit Card 

10.88% to 16.88% Platinum Choice Rewards Credit Card 

13.99% Platinum Student Credit Card 

15.99% Platinum Secured Credit Card 
Actual rate determined when you open your account, based on your creditworthiness. After that,

the APR will be non-variable.

Paying Interest

interest on purchases if you pay your entire balance by the due date each month. We will begin

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any

charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Annual Fee

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.

None  Platinum, Platinum Choice Rewards and Platinum Student Credit Cards

$20 Platinum Secured Credit Card

Transaction Fees

Balance
Transfer

Cash
Advance

Foreign
Transaction

Late
Payment

Card
Replacement

None   Platinum, Platinum Secured, Platinum Student Credit Cards 
3% of Advance ($5 Minimum and No Maximum)   Platinum Choice Rewards Credit Card

All Credit Cards 

3% of Advance ($5 Minimum and No Maximum)

All Credit Cards 

1% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. 0.8% Single
Currency Conversion Rate adjustment fee, if there is no currency conversion.

Penalty Fees

$10 (if 10 or more days late)

Other Fees

$5

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your credit card
agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

1
All information is accurate as of July 18, 2016 and is subject to change without notice. For current rates and terms, please contact California
Coast Credit Union at (858) 495-1600 or (877) 495-1600. All loans subject to approval.

2
Introductory rate valid 07/01/16 through 06/30/18. 2.88% promotional offer cannot be used to pay off any CCCU loan or be made payable
to cash, yourself, any joint owner(s) or co-maker(s). Introductory rate does not apply to Platinum Choice Rewards, Platinum Secured and
Platinum Student Credit Cards.

Call Us (877) 495-1600

© California Coast Credit Union

Federally Insured By NCUA