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  January  18,  2019.  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 

APR for Balance 
Transfers** 

Paying Interest 

WSECU LOW RATE  WSECU CREATE*** 

WSECU CASH 
BACK 
15.00%-
    26.50% 

13.00%-
24.50% 

8.50%-
20.00% 
depending on your credit  depending on your  depending on your 
history. This APR will vary  credit history. This  credit history. This APR 
with the market based on  APR will vary with  will vary with the market 
the Prime Rate*. 
the market based 
on the Prime Rate*. 

based on the Prime 
Rate*. 

17.50% 
This APR will vary 
with the market 
based on the Prime 
Rate*. 

0% Introductory APR on 

account opening. After that,  Rate*. 

17.50% 
This APR will vary 
with the market 
based on the Prime 

15.00%-26.50% 
depending on your  balance transfers for 6 
credit history. This  months if the transfer is 
APR will vary with  made within 60 days of 

0% Introductory APR on 
balance transfers for 6 
months if the transfer is 
made within 60 days of 
account opening. After that, the market based 
your Standard APR will be  on the Prime Rate*.  your Standard APR will be 
8.50%-20.00% depending 
13.00%-24.50% 
on your credit history. This 
depending on your credit 
APR will vary with the 
history. This APR will vary 
market based on the Prime 
with the market based on 
the Prime Rate*. 
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. 

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 card, visit 
the Consumer Financial Protection Bureau 

FEES: 
Fees to Open or Maintain 
your Account 
- Annual Fee: 
- Application Fee: 

None 
None 

Transaction Fees 

- Balance Transfer: 
- Cash Advance: 
- Foreign Transaction: 

Penalty Fees 

- Over-the-Credit Limit: 
- Returned Payment: 
- Late Payment: 

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 01.19 

 
 
 
 
 
 
 
 
                    
 
 
 
 
 
 
 
 
 
 
 
            
 
 
 
 
      
 
 
 
            
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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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