® 

VISA  PLATINUM Disclosure Information
  Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

Wings Financial Credit Union

APR for Balance Transfers

APR for Cash Advances
Paying Interest

Credit Card Tips from the Consumer 
Financial Protection Bureau
  Transaction Fees

0.00% Introductory rate is good for the ﬁrst 12 months from the date that your new credit card account is opened.
After that, your APR will range from 8.15% to 18.00% based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.
0.00% Introductory rate is good for the ﬁrst 12 months from the date that your new credit card account is opened.
After that, your APR will range from 8.15% to 18.00% based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.
8.15% to 18.00% 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. 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 from the posting 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.

Cash Advance

Either $10 or 2% of the amount of each cash advance, whichever is greater.

How We Calculate Your 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 the Wings Credit Card Agreement and Truth-In-Lending Disclosure. 
Rates are effective as of 7/1/20 and are subject to change. Call 1 800 692-2274 for current rate information.

M-131761

Penalty Fees:
Late Payment
Returned Payment

Up to $27
Up to $27