WSECU 
PO BOX WSECU | Olympia, WA 98507 800.562.0999 
IMPORTANT CREDIT CARD DISCLOSURES for cards issued prior to August 20, 2018
The following disclosure represents important details concerning your Platinum Rewards or Gold Rebate credit card issued prior 
to August 20, 2018 . The information about costs of the card are accurate as of October 18, 2019. You can contact us toll-free at 
800.562.0999 or PO Box  WSECU, Olympia,  WA 98507  to inquire  if any changes occurred since the effective date. 
INTEREST RATES and INTEREST CHARGES Annual Percentage Rate (APR) for purchases, cash advances, & balance transfers 
Platinum Rewards 
10.25%-13.25% 
Your rate will depend o n you r credi t histor y. 
This APR will vary with the market based 
on the Prime Rate*. Gold Rebate 
11.25% 
This APR will vary with the market based on the Prime Rate*. 
Paying interest 
Y our due date is at least 21 days after we mail your billing statement. We will not cha rge 
you interest on purchases or balance transfers if you pay your entire new purchase o r 
balance transfer balance by the due date each month. We will begin charging interes t 
on cash advances on the date the cash advance is posted to your account. 
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 car d, visit 
the Consumer Financial Protection Bureau website. 
FEES 
Fees to open or maintain your account 
-Annual fee-Application feeNone None Transaction fees -Balance transfer-Cash advance-Foreign transactionNone 2% of the amount advanced up to $25.00 None Penalty fees -Over the credit limit-Returned payment-Late paymentNone None $25.00 or your minimum payment required, whichever is less. Balances of $25.00 or less must be paid in full. How We Will Calculate Your Balance: 
*Variable Rates: The Annual Percentage Rate (APR) 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.
Platinum Rewards: The APR will be equal to the Prime Rate plus a margin of 5.50% - 8.50%. Gold Rebate: The APR will be equal to the Prime Rate plus a margin of 6.50%. The interest rate can change monthly on the 18th day of the month following a change in the Prime Rate. The APR will never be more than 18.00%. Any increase will take the form of more payments of the same amount. 
MKT-371 11.19 W e use a method called "average daily balance (including new pu r chases)."