Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

6.25% to 14.25% when you open your account based on your creditworthiness. 
After that, your APR will vary with the market based on the Prime Rate.    

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR and When 
it Applies 

6.25% to 14.25% when you open your account based on your creditworthiness. After that, 
your APR will vary with the market based on the Prime Rate.     

6.25% to 14.25% when you open your account based on your creditworthiness. After 
that, your APR will vary with the market based on the Prime Rate.     

18.00% 
This APR may be applied to your VISA or MasterCard Feature Category if: Your VISA or 
MasterCard Feature Category is more than 60 days past due. 

How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the 
Penalty APR applied to transactions that occur after the increase may be applied 
indefinitely, and the Penalty APR applied to transactions that occurred prior to the 
effective date of the increase will apply unless 6 consecutive payments are received on or 
before the due date during the six-month period following such increase. 

How to Avoid Paying Interest  For VISA and MasterCard, We will not charge You interest on purchases if You pay Your 

entire balance owed each month within 25 days of Your statement closing date. For all 
Feature Categories, We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

$0.00 

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 
www.consumerfinance.gov/learnmore  

Fees 

Annual Fee 

Transaction Fees 

• 
• 
• 

Balance Transfer 
Cash Advance 
Foreign Transaction 

None 

 $0.00 
$0.00 

  For VISA and MasterCard, 1.00% of each foreign currency transaction in U.S. dollars. 
For VISA, 1.00% of each U.S. dollar transaction that occurs in a foreign country. For 
MasterCard, 0.80% of each U.S. dollar transaction that occurs in a foreign country. 

Penalty Fees 

• 

• 

Returned Payment 
Late Payment 

For VISA and MasterCard, $25.00   
For VISA and MasterCard, $20.00 after 4 days 

How We Will Calculate Your Balance: For VISA and MasterCard, We use a method called 
“average daily balance (including new purchases).” See Your Account Agreement for 
details. 

Billing Rights: Information on rights to dispute transactions and how to exercise those rights is 
provided in Your Account Agreement. 

www.wpcu.coop 
Mailing Address: P.O. Box 286 • Fairborn, Ohio 45324-0286 
Corporate Offices: 2455 Executive Park Boulevard • Fairborn, Ohio 45324-6219 • (937) 912-7000 • (800) 762-0047 

  CCVRL PRE-DISCLOSURE VLS 11-19-12