Washington State Employees Credit Union
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  ___________________.  You can  contact  us  toll  free  at  (800)  562-0999  or  P.O. Box  WSECU,  Olympia,  WA
98507 to inquire if any changes occurred since the effective date.

July 18, 2022

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases &
Cash Advances

WSECU PLATINUM

12.25
_______%-
23.75
_______%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate*.

WSECU CASH
BACK
14.25
_______%-
25.75
_______%
depending on your
credit history. This
APR will vary with
the market based
on the Prime Rate*.

WSECU LOW RATE WSECU CREATE***

7.75
_______%-
19.25
_______%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate*.

16.75
_______%
This APR will vary
with the market
based on the Prime
Rate*.

APR for Balance
Transfers**

Paying Interest

16.75
______%
This APR will vary
with the market
based on the Prime
Rate*.

14.25
______%-
25.75
______%
depending on your
credit history. This
APR will vary with
the market based
on the Prime Rate*.

0% Introductory APR on
balance transfers for 6
months if the transfer is
made within 60 days of
account opening. After that,
your Standard APR will be
23.75
12.25
______%- ______%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate*.
Your due date is at least 21 days after we mail your billing statement. We will not charge you
interest on purchases or balance transfers if you pay your entire new purchase or balance
transfer balance by the due date each month. We will begin charging interest on cash advances
on the date the cash advance is posted to your account.

0% Introductory APR on
balance transfers for 6
months if the transfer is
made within 60 days of
account opening. After that,
your Standard APR will be
19.25
7.75
______%- ______%
depending on your credit
history. This APR will vary
with the market based on
the Prime Rate*.

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
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

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
Applies to WSECU Create only: First time payment is late: $10.00 or your minimum payment
required, whichever is less. Second time payment is late: $20.00 or your minimum payment
required, whichever is less. All subsequent late payments: $25.00 or your minimum payment
required, 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.

9009 LASER ML FPDF FI11575 Rev 2-2020

SEE NEXT PAGE for more important information about this account
page 1 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

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 a
late payment.

*Variable Rates: The Annual Percentage Rate 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. The Annual Percentage Rate will be equal
to  the  Prime  Rate  plus  a  margin  of:  _______%-_______%  depending  on  your  credit  history. The  interest  rate  can  change
monthly on the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be more
than: 29.99%. Any increase will take the form of more payments of the same amount.

21.00

3.00

**Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate
does 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 billing
cycle, up to a maximum total of a 2% discount. A “qualifying payment” is one you have made on or before the payment due date
in a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-time
payments in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you make
six consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in the
paragraph.  If  you  make  a  late  payment,  the  number  of  accrued  qualifying  payments  resets  to  zero  and  you  must,  from  that
point, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make a
late 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  payment
charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again apply
once 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 on
your  account,  including  foreign  transaction  fees.  One-half  percent  (.50%)  cash  back  will  be  paid  on  all  payments  to  your
account. Cash back earned on eligible transactions during a billing cycle will be applied as a credit to your account on the last
day  of  the  same  billing  cycle  in  which  the  transactions  post  to  your  account.  Billing  cycles  typically  end  on  the  seventeenth
(17th) of each month.

9009 LASER ML FPDF FI11575 Rev 2-2020

page 2 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.