PO BOX WSECU | Olympia, WA 98507

800.562.0999

IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate  as  of  October  18,  2018.  You  can  contact  us  toll  free  at  800.562.0999  or  P.O.  Box  WSECU,  Olympia,  WA  98507  to 
inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

WSECU PLATINUM

Annual Percentage Rate
(APR) for Purchases &
Cash Advances

        12.75%-

WSECU CASH
BACK
    14.75%-

    26.25%
depending on your 
credit history. This 
APR will vary with 
the market based 
on the Prime Rate*.

WSECU LOW RATE WSECU CREATE***

8.25%-
      19.75%
depending on your credit 
history. This APR will 
vary with the market 
based on the Prime 
Rate*.

    17.25%

This APR will vary
with the market
based on the Prime
Rate*.

24.25%
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate*.

APR for Balance
Transfers**

Paying Interest

17.25%
This APR will vary 
with the market 
based on the Prime 
Rate*.

14.75%-26.25% 
depending on your 
credit history. This 
APR will vary with 
the market based 
on the Prime Rate*.

0% Introductory APR on 
balance transfers for 6 
months if the transfer is 
made within 60 days of 
account opening. After that, 
your Standard APR will be 
12.75%-24.25% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate*.
Your due date is at least 21 days after we mail your billing statement. We will not charge you
interest on purchases or balance transfers if you pay your entire new purchase or balance
transfer balance by the due date each month. We will begin charging interest on cash advances
on the date the cash advance is posted to your account.

0% Introductory APR on 
balance transfers for 6 
months if the transfer is 
made within 60 days of 
account opening. After that, 
your Standard APR will be 
8.25%-19.75% depending 
on your credit history. This 
APR will vary with the 
market based on the Prime 
Rate*.

Minimum Interest Charge

None

For Credit Card Tips from
the Consumer Financial
Protection Bureau

FEES:
Fees to Open or Maintain
your Account
- Annual Fee:
- Application Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Over-the-Credit Limit:
- Returned Payment:
- Late Payment:

To learn more about factors to consider when applying for or using a credit card, visit 
the Consumer Financial Protection Bureau

None
None

None
2% of the amount advanced up to $25.00
None

None
None
Applies to WSECU Create only: First time payment is late: $10.00 or your minimum payment
required, whichever is less. Second time payment is late: $20.00 or your minimum payment
required, whichever is less. All subsequent late payments: $25.00 or your minimum payment
required, whichever is less.
Applies to all other cards: $25.00 or your minimum payment required, whichever is less.
Balances of $25.00 or less must be paid in full.

SEE NEXT PAGE for more important information about this account
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MKT-371 10.18

 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a
late payment.

*Variable Rates: The Annual Percentage Rate 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. The Annual Percentage Rate will be equal 
to the Prime Rate plus a margin of: 3.00%-21.00% depending on your credit history. The interest rate can change monthly on 
the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be more than: 29.99%. 
Any increase will take the form of more payments of the same amount.

**Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate
does not apply to balances transferred from other WSECU credit cards or loans.

***On-Time Payment Discount (Applies to WSECU Create only): You will receive a 0.25% discount on the APRs disclosed
on page 1 each time you make a series of six consecutive qualifying payments on or before the payment due date in a billing
cycle, up to a maximum total of a 2% discount. A “qualifying payment” is one you have made on or before the payment due date
in a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-time
payments in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you make
six consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in the
paragraph.  If  you  make  a  late  payment,  the  number  of  accrued  qualifying  payments  resets  to  zero  and  you  must,  from  that
point, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make a
late payment.

Skip  Payment  (Applies  to  all  cards  except  WSECU  Create):  If  we  make  a  skip  payment  option  available,  you  may  skip
making  your  payment(s)  for  certain  month(s).  If  you  choose  this  option,  interest  will  continue  to  accrue,  but  no  late  payment
charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again apply
once the skip period has expired. A Skip a Pay fee of $15.00 will apply.

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