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

APR for Balance 
Transfers 
APR for Cash 
Advances 
Penalty APR and When 
it Applies 

Paying Interest 

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. 
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 Federal 
Reserve Board 

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 

  CC Fixed Final Disclosure VLS 11/12