Wescom Active Visa 
Simply a low rate, without the rewards 
Apply 
Annual Percent Rate (APR) as low as 
9.15%* 
0% intro APR for 12 months on purchases & balance transfers  
After first 12 months, a variable rate of 9.15%-19.15% will apply. 
Intro Balance Transfer Fee 
$0 
Balance Transfer Fee(after intro period) 
$2 or 2%, whichever is greater maximum fee $50 
Annual Fee 
None 
Rewards 
None 
One-Time Cash Back Bonus 
None 
View More 
 
MyRewards Visa 
Rewards on every purchase 
Apply 
Annual Percent Rate (APR) as low as 
11.15%* 
0% intro APR for 6 months on purchases & balance transfers  
After the first 6 months, a variable rate of 11.15%-21.15% APR will apply. 
Intro Balance Transfer Fee 
$0 
 Balance Transfer Fee(after intro period) 
$2 or 2%, whichever is greater maximum fee $50 
Annual Fee 
None 
Rewards 
1.5 points per $1 spent 
One-Time $100 Cash Back Bonus 
Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months  
View More 
 
Bruin Edge Visa 
Rewards that fuel your Bruin pride 
Apply 
Annual Percent Rate (APR) as low as 
13.15%* 
0% intro APR for 6 months on purchases & balance transfers  
After the first 6 months, a variable rate of 13.15%-23.15% will apply. 
Intro Balance Transfer Fee 
$0 
Balance Transfer Fee(after intro period) 
$2 or 2%, whichever is greater maximum fee $50 
Annual Fee 
None 
Rewards 
1.5 points per $1 spent 
5 points per $1 spent on select UCLA Purchases1 
One-Time $500 Cash Back Bonus 
Earn 50,000 bonus points (a $500 value) when you spend $2,500 within first 3 months  
 View More 
 
Bruin Choice Visa 
Built to help UCLA students start their credit journey with limits up to $1,000  
Apply 
Annual Percent Rate (APR) as low as 
13.15%* 
0% intro APR for 6 months on purchases & balance transfers  
After the first 6 months, a variable rate of 13.15%-23.15% will apply. 
Intro Balance Transfer Fee 
$0 
Balance Transfer Fee(after intro period) 
$2 or 2%, whichever is greater maximum fee $50 
Annual Fee 
None 
Rewards 
1.5 points per $1 spent 
5 points per $1 spent on select UCLA Purchases2 
One-Time $50 Cash Back Bonus 
Earn 5,000 bonus points (a $50 value) when you spend $500 within first 3 months  
View More 
*APR=Annual Percentage Rate. Rates are valid as of 07/01/2021 and subject to changes without notice. APR 
may vary based on credit qualifications. Terms and conditions apply.  
TERMS AND CONDITIONS 
This Account Opening Table is provided in compliance with the Federal Truth-in -Lending Act. This 
is not a complete Truth-in-Lending Disclosure, but is incorporated into Wescom Central Credit 
 Union's Credit Card Agreement and Federal Truth-In-Lending Disclosure . Effective: 07-01-
2021 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases  MyRewards Signature/MyRewards/Secured  
0.00%  Introductory APR for six months from   
After that, your APR will be 11.15%  to 21.         
vary with the market b ased on the Prime Rate  
Wescom Active 
0.00%  Introductory APR for 12 months from   
After that, your APR will be 9.15%  to 19.1          
with the market based on the Prime Rate. 
Bruin Edge Signature/ Bruin Edge/Bruin Ch  
0.00%  Introductory APR for six months from   
After that, your APR will be 13.15%  to 23.         
vary with the market based on the Prime Rate  
APR for Balance Transfers  MyRewards Signature/MyRewards/Secured  
0.00% Introductory APR for six months from a   
After that, your APR will be 11.15% to 21.15%           
the market based on the Prime Rate. 
Wescom Active 
0.00% Introductory APR for 12 months from a   
After that, your APR will be 9.15% to 19.15% ,          
the market based on the Prime Rate. 
Bruin Edge Signature/Bruin Edge/Bruin Ch  
0.00% Introductory APR for six months from a   
After that, your APR will be 13.15% to 23.15%           
the market based on the Prime Rate.  
APR for Cash Advances  MyRewards Signature/MyRewards/Secured  
11.15% to 21.15% , when you open your acco          
with the market based on the Prime Rate. 
Wescom Active 
9.15% to 19.15% , when you open your accou          
with the market based on the Prime Rate. 
Bruin Edge Signature/Bruin Edge/Bruin Ch  
13.15%to 23.15% , when you open your accou          
with the market based on the Prime Rate.  
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the clos            
on purchases if You pay Your entire balance b            
zero or a credit balance.   For Credit Card Tips from the Consumer Financial 
Protection Bureau To learn more about factors to consider wh           
website of the Consumer Financial Protect   
at http://www.consumerfinance.gov/learnm  
Fees 
Transaction Fees   Balance Transfer Fee:  $2.00  Or 2.00%  Of The Am         
(Maximum Fee: $50.00) 
 Cash Advance Fee: $2.00 Or 2.00% Of The Amou          
Fee: $50.00) 
 Foreign Transaction Fee: None 
Penalty Fees   Late Payment Fee: Up To $15.00  
 Returned Payment Fee: Up To $25.00 
How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)."  
Promotional Period for Introductory APR - MyRewards Signature, MyRewards, Bruin Edge 
Signature, Bruin Edge, Bruin Choice, and Secured:  
The Introductory APR for purchases and balance transfers will apply to transactions posted to your 
account during the first six months following the opening of your account. Any existing balances on 
Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR 
for balance transfers. 
Promotional Period for Introductory APR - Wescom Active: 
The Introductory APR for purchases and balance transfers will apply to transactions posted to your 
account during the first 12 months following the opening of your account. Any exis ting balances on 
Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR 
for balance transfers. 
Effective Date: 
The information about the costs of the card described in this application is accurate as of: 07-01-
2021 This information may have changed after that date. To find out what may have changed, 
contact the Credit Union. 
For California Borrowers, the Secured is a secured credit card. Credit extended under this 
credit card account is secured by various personal property and money including, but not 
limited to: (a) any goods you purchase with this account, (b) any shares you specifically 
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have 
in any individual or joint account with the Credit Union excluding shares in an Individual  Retirement Account or in any other account that would lose special tax treatment under 
state or federal law, and (d) collateral securing other loans you have with the Credit Union 
excluding dwellings. 
Other Fees & Disclosures: 
Late Payment Fee: 
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more 
days late in making a payment. 
Balance Transfer Fee (Finance Charge): 
$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will 
never exceed $50.00. However, the fee will not be assessed on transactions posted during the 
Promotional Period stated on the previous page. 
Cash Advance Fee (Finance Charge): 
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will 
never exceed $50.00. 
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  
Card Replacement Fee: 
$5.00. 
Rush Fee: 
$18.00. 
Statement Copy Fee: