P.O. BOX WSECU
Olympia, WA 98507
800.562.0999

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate as of January 18, 2016. You can contact us toll-free at 800.562.0999 or PO Box WSECU, Olympia, WA 98507 to inquire if 
any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES

Annual Percentage Rate (APR) 
for purchases, cash advances, & 
balance transfers

Paying interest

Platinum Rewards

Gold Rebate

9.00%-12.00%

10.00%

Your rate will depend on your credit history. 
This APR will vary with the market based on 
the Prime Rate*.

This APR will vary with the market based 
on the Prime Rate*. Please note: We 
are no longer accepting applications for 
Gold Rebate cards.

Your due date is at least 21 days after we mail your billing statement. We will not 
charge you interest on purchases if you pay your entire new purchase balance by 
the due date each month. For cash advances and balance transfers, we will begin 
charging interest on the transaction date.

Minimum interest charge

None

For credit card tips from the 
Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using a credit card, visit 
the Consumer Financial Protection Bureau website.

FEES

Fees to open or maintain your account
-Annual fee
-Application fee

None
None

Transaction fees
-Balance transfer
-Cash advance
-Foreign transaction

Penalty fees
-Over the credit limit
-Returned payment
-Late payment

None
2% of the amount advanced up to $25.00
None

None
None
$25.00 or your minimum payment required, whichever is less. 
Balances of $25.00 or less must be paid in full.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

*Variable Rates: The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified as the Prime 
Rate in the Money Rates column of the Wall Street Journal increases or decreases.

Platinum Rewards:  The APR will be equal to the Prime Rate plus a margin of 5.50%-8.50%.

Gold Rebate:  The APR will be equal to the Prime Rate plus a margin of 6.50%. 
The interest rate can change monthly on the 18th day of the month following a change in the Prime Rate. The APR will never 
be more than 18.00%. Any increase will take the form of more payments of the same amount
.

MKT-371  09.16