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 April 18, 2018. You can contact us toll-free at 800.562.0999 or PO Box WSECU, Olympia, WA 98507 to inquire if 
any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Annual Percentage Rate (APR) 
for purchases, cash advances, 
& balance transfers 

Paying interest 

Platinum Rewards 

Gold Rebate 

10.25% -13.25% 

11.25% 

Your rate will depend on your credit history. 
This  APR  will  vary  with  the  market  based 
on the Prime Rate*. 

This APR will vary with the market 
based on the Prime Rate*. Please note: 
We are no longer accepting applications 
for Gold Rebate cards. 

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 website. 

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 
$25.00 or your minimum payment required, whichever is less. 
Balances of $25.00 or less must be paid in full. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

*Variable Rates: The Annual Percentage Rate (APR) 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. 

Platinum Rewards: The APR will be equal to the Prime Rate plus a margin of 5.50% - 8.50%. 

Gold Rebate: The APR will be equal to the Prime Rate plus a margin of 6.50%. 
The interest rate can change monthly on the 18th day of the month following a change in the Prime Rate. The APR will never be 
more than 18.00%. Any increase will take the form of more payments of the same amount. 

MKT-371 04.18