credit

yourself with rewards

VISA BENEFITS

REWARDS

ONLINE SERVICES

www.rcu.org

Get a great rate

Annual Percentage Rate: 7.75%

  Annual Charge ..............................................None
  Minimum Finance Charge ...........................$0.50
  Transaction Charge for Purchases ...........None
  Late Charge
    Statement Balances through $250 ............. $20
    Statement Balances $250.01 and above  .... $30                    

Grace Period— You have no less than 26 days to repay 
your balance before a finance charge is imposed.

Method of Computing Balance— The balance of your 
credit purchases subject to a finance charge is the average 
daily outstanding unpaid balance plus new purchases.

Cash Advances & Balance Transfer Charges— You 
will incur a charge of 3% with a minimum of $10 and a 
maximum of $75 for these services.  

Variable Rate— We may increase or decrease your APR 
beginning with the first billing cycle of the next calendar 
quarter and the first billing cycle of each calendar quarter 
thereafter. The APR shall equal the highest prime rate 
published in the Wall Street Journal “Money Rate” tables 
plus a margin of 4.5 percentage point.

International Transactions— You will incur a charge of 
1% for the Visa International Service Assessment Fee or 
Mastercard Cross Border Fee. 
..........................................................................................................................
APR = Annual Percentage Rate. APR effective February 22, 2010.  
The costs of the card described in this brochure are accurate as of 
02/10. This information may have changed after that date. To find 
out what may have changed, call 715-833-8111 or 1-800-341-9911.

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Member Service 
715-833-8111 or 1-800-341-9911 
Monday-Friday 8:30 AM until 7 PM 
Saturday 8:30 AM until 4 PM 
Sunday 11 AM until 3 PM

Website and  
Online Account Access
www.rcu.org

Telephone Account Access
715-833-8168 
1-800-762-6280 

Mailing Address 
PO Box 970  
Eau Claire, WI 54702-0970

Email Address
member_services@rcu.org

Fax Number 
715-552-3000

1760  RCU  2/10

Use your RCU Platinum 

Rewards Visa with  

confidence knowing  

your account is safe  

and secure. You will  

enjoy unparalleled  

convenience and freedom...

...wherever life takes you

• • •  • • • • • • Points2U Rewards • •  •  • • •  •  • • • • • • • • • • Online Services • • • • • • • • • 

Earn Reward Points Each Time You Use Your Card
As an RCU Platinum Rewards Visa cardholder, you automatically earn 
Points2U Rewards. Plus, your monthly electronic statement keeps you 
updated with your total. It’s easy to earn reward points, which can be 
redeemed for home goods, electronics, travel, downloads, and more!

Make Your Payment on eBranch
You can pay your RCU Platinum Rewards Visa online. It’s easy, secure, 
and free! 

Plus, you can:

Obtain account  
balance information

Transfer money from  
your RCU accounts to  
your RCU Platinum  
Rewards Visa

Schedule one-time or  
recurring payments

View account and  
payment history

FREE enrollment in the 
Points2U Rewards Program

Earn one point for  
every dollar you charge 
(excludes returns, cash advances,  
and balance transfers) 

Accumulated points  
stay on your account 
for five years

You can take home a reward 
for as few as 750 points.  
Or, you can save your points  
toward a higher level. The  
more points you earn, the  
greater your reward. 

Check your points  
and view a complete  
list of rewards at  
www.points2u.com/RCU.

Card Benefits 
Take advantage of the security, reliability, and 
convenience that comes with the RCU Platinum 
Rewards Visa. You’ll enjoy features like acceptance 
at millions of locations, global recognition, and 
protection from fraudulent purchases.

Other benefits include:
     Points2U Rewards Program
     No annual charge
     Low competitive rate
     Minimum of 26 day interest-free grace period
     on purchases
     Easy application process, approved locally
     No transaction charges for purchases
     Make payments on eBranch or at any RCU office
     Several automatic payment options
     Optional payment protection

Peace of Mind
RCU protects cardholders with sophisticated 
fraud-fighting tools that proactively predict, monitor, 
and prevent fraud from occurring.

Other enhancements include:
     Emergency card or cash disbursement
     Lost or stolen card reporting
     Auto rental collision damage waiver
     Warranty manager
     Purchase security
     Travel & emergency assistance
     Roadside dispatch service
     Personal identity theft coverage
     Online purchase protection with Verified by Visa 

Apply Today
Visit www.rcu.org, call 715-833-8111 or  
1-800-341-9911, or stop into any RCU office.