5/5/2020

Wescom Credit Union | Credit Card Terms and Conditions

Credit Card Terms & Conditions

Wescom Central Credit Union

Additional Disclosure Federal Truth-In-Lending Disclosure Statement
This Account Opening Table is provided in compliance with the Federal Truth-in-Lending Act. This is not a complete Truth-in-
Lending Disclosure, but is incorporated into Wescom Central Credit Union's Credit Card Agreement and Federal Truth-In-
Lending Disclosure. Effective: 5-1-2020

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for
Purchases

8.90% to 17.90% 
The APR will vary with the market based on the Prime Rate.*

APR for Balance Transfers

(1)

APR for Cash Advances

(2)

Paying Interest

8.90% to 17.90% 
The APR will vary with the market based on the Prime Rate.*

8.90% to 17.90% 
The APR will vary with the market based on the Prime Rate.*

Your due date is at least 25 days after the close of each billing cycle. You
will not be charged interest on purchases if you pay your entire balance by
the due date of each month and your previous balance is zero or a credit
balance. You will be charged interest on cash advances and balance
transfers beginning on the date your transaction posts.

https://www.wescom.org/credit-cards/credit-card-terms.asp

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Wescom Credit Union | Credit Card Terms and Conditions

Minimum Interest Charge

There is no minimum interest charge.

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 website of the Consumer Financial Protection Bureau at:
http://consumerfinance.gov/learnmore/

Annual Fee

None

Fees

Transaction Fees

• Balance Transfer

• Cash Advance

$2 or 2% of the amount of each transfer, whichever is greater (maximum
fee: $50).

$2 or 2% of the amount of each transfer, whichever is greater (maximum
fee: $50).

• Foreign Transaction Fee

None

Penalty Fees

• Late Payment Fee

$15 if payment is not received within fifteen (15) days after your
payment due date.

• Returned Payment

$25

Wescom Credit Card Disclosures

How You Will Calculate My Balance: We use a method called "average daily balance" (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Wescom Central Credit Card
Agreement and Federal Truth in Lending Disclosure.

Effective Date: The information about the cost associated with this card is accurate as of May 1, 2020 and subject to change after this date without
notice.  To find out what may have changed, call 1-888-493-7266.

https://www.wescom.org/credit-cards/credit-card-terms.asp

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Wescom Credit Union | Credit Card Terms and Conditions

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). For more information call 1-888-
4WESCOM (1-888-493-7266), option #5.

https://www.wescom.org/credit-cards/credit-card-terms.asp

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