Become a Member (https://nao.members1st.org/Consumer/login/default.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1DpNvsWrmH9s1AgOht371xlj5kqNTpmGw1nSXRODDCbcDWghTqpNTq-

BKsvJU5o3N1JxpvPCn3uM3gwD3ClJu383JdLYBQ8uEjm1zLS9vO2C)  |  Video Library (http://www.members1st.tv/)  |  El Poder es Tuyo ¡Administra tu Dinero! (/el-poder-es-tuyo/)  |  Locations (/contact-us/branch-atm-

locator/)  |  Careers (/about-us/careers-opportunities/)

(/)

We Put Our Members First.

INVESTMENT SERVICES (http://www.members1stinvestments.com/)

RESOURCES (/learn)

PRODUCTS & SERVICES (/products-services)

MEMBERSHIP & BENEFITS (/membership-benefits)

BUSINESS (/products-services/business-services)

CONTACT US (/contact-us)

HOME (/)

LEARN (/LEARN/)

RATES CENTER (/LEARN/RATES-CENTER/)

VISA PLATINUM SELECT CREDIT CARD

VISA Platinum Select Credit Card

Apply Online For A VISA Credit Card (/products-services/loans/online-loan-applications)

Our options include:

VISA Platinum Points Choice Rewards Credit Card (/learn/rates-center/visa-platinum-points-choice-rewards)

VISA Platinum Cash Rewards Credit Card (/learn/rates-center/visa-platinum-cash-rewards)

VISA Platinum Secured Credit Card (/learn/rates-center/visa-platinum-secured-credit-card)

VISA Platinum Select Credit Card - See Below

VISA Platinum Select Credit Card Disclosure

Annual Percentage Rates (APR) 
for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and 
When It Applies

How to Avoid Paying Interest on 
Purchases

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

VISA Platinum Select Credit Card Disclosure

Interest Rates and Interest Charges*

Your APR will be 9.25% - 16.75%, based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

9.25% - 16.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
9.25% - 16.75% when you open your account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

18.0% If your account becomes 60 days delinquent. 

How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be
applied to your balances for a minimum period of six months or payment cycles. Penalty APR will apply until you
become current and make six consecutive minimum monthly payments.

Your due date is approximately 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 on the transaction date.

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
(http://www.consumerfinance.gov/learnmore).

Annual Fee

Foreign Transaction Fees

None

None

Fees

Penalty Fees

Late Payments

Over Limit Fee (Opt In)

Return Payment Fee

Expedited Card Replacement Fee

Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.

Up to $15.00

$20.00

$10.00

How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases). 
The above rates and fees are current as of July 1, 2017. The variable APRs are based on the current Prime Rate of 4.25%.

VISA Platinum Select Credit Card Agreement

Loan Center (/pr

(/products-
services/loans/home-
equity-loans-lines-
of-credit)

(/pr
ser
mo

(/products-
(/pr
services/loans/recreation
ser
vehicles)
ser

(/products-
(/pr
services/loans/lending-
ser
insurance)
ser

To reach our C
(800) 283-232
(tel:+1800283

Contact Us (/c

Find a Branch
locator/)

Certificate Specia
Offer

Home Equity Loa

VISA Balance
Transfer

(/learn/r

*APR=Annual Percentage 

(/pro
servi
loan-

 
 
 
 
 
 
 
 
 
 
 
Quick Links

ATM & Branch Locations (/contact-us/branch-atm-locator) · Our Rates (/learn/rates-center) · Loans (/products-services/loans) · Contact Us (/contact-us) ·

Careers (/about-us/careers-opportunities) · Internet Terms & Usage (/about-us/important-documents/internet-terms-usage) · Security (/contact-us/fraud-security-center) ·

Privacy (/privacy)

© 2017 Members 1st FCU. All Rights Reserved.

  

5000 Louise Drive, PO Box 40

Mechanicsburg, PA 17055

  (800) 283-2328

Routing Number: 231382241

(/products-
services/electronic-
(https://www.linkedin.com/company/members-
mobile-
1st-
services/mobile-
(https://members1stblog.org/)
fcu) (https://twitter.com/Members1stFCU)
banking)

Blo g

 (https://www.facebook.com/Members1stFederalCreditUnion

 (https://www.instagram.com/members1stfcu/)

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. (http://portal.hud.gov/hudportal/HUD) This credit union is federally insured by the

National Credit Union Administration. (http://www.ncua.gov/Pages/default.aspx)