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MasterCard Platinum Member 
Rewards Credit Card 
Account Opening Disclosures

IMPORTANT INFORMATION CONCERNING RATES AND FEES FOR THE CARDS

  Interest Rates and Interest Charges

MasterCard Platinum Member Rewards Card

Annual Percentage Rate (APR) 
for Purchases

APR for Balance Transfers and 
Cash Advances 

Your APR will be 8.99% - 17.99*. This APR will vary with the 
market based on the Prime Rate**.

Penalty APR and When it Applies

No penalty APR

How to Avoid Paying Interest on 
Purchases

Your due date is at least 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.

Minimum Interest Charge

No minimum interest charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

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 http://www.consumerfinance.gov/learnmore

  Fees

Annual Fee
Transaction Fee
          •  Foreign Transaction

Penalty Fees
          •  Late Payment
          •  Returned Payment

None

Up to 1% of each transaction in U.S. dollars.

Up to $25 
Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” See the Credit Card Agreement and Disclosure Statement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
the Credit Card Agreement and Disclosure Statement.

*The Prime Rate used to determine your APR is the highest Prime Rate published in The Wall Street Journal as of 
the 15th day of the month for the preceding three months.

** The Variable rate shown here is accurate based on the 4.25% Prime Rate as of 8/1/2017. We add 8.99% to 
the Prime Rate to determine the Purchase/Balance Transfers/Cash Advances APR. 

The information about the costs of the cards described in this application is accurate as of 08/2017. This 
information may have changed after that date. To find out what may have changed, call 1-800-817-8234 or 
write to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848.

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY  INTEREST  IN  ALL 
INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE 
REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS 
SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, 
DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.                                                                                                                        

Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment 
under state or federal law if given as security are not subject to the security interest you are giving.