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About our Gulf Winds VISA credit cards

Home   Banking    Credit Cards  
VISA Disclosure

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VISA
Disclosure

Gulf Winds Federal
Credit Union Visa
Platinum Rewards, Visa
Platinum, and Visa
Secured Credit Card
Application and
Solicitation Disclosure

VISA Platinum

VISA Platinum Rewards

VISA Secured

VISA Debit Card

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Interest Rates and Interest Charges

Fraud Awareness

Visa Platinum Rewards

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Your Standard APR will be: 
9.90%, 10.90%, 12.90%, 15.90%, or 17.90% 
From the Blog
depending on your credit history.

Visa Platinum

Your Standard APR will be: 
6.90%, 7.90%, 9.90%, 12.90%, or 17.90% 
depending on your credit history.

Visa Secured

Your Standard APR will be: 
9.00%

Five Facts You Should Know About
Preparing for Retirement
Read More 

Your due date is at least 21 days after we mail
your billing statement. We will not charge you
interest on purchases if you pay your entire
new purchase balance by the due date each
month. We will begin charging interest on cash
advances and balance transfers on the
transaction date.

None

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.

Annual
Percentage
Rate (APR)
for
Purchases,
Cash
Advances &
Balance
Transfers

Paying
Interest

Minimum
Interest
Charge

For Credit
CardTips
from the
Consumer
Financial
Protection
Bureau

Fees

Fees to
Open or
Maintain

 
 
 
 
  
  
 
None

None

None

None

1% of each transaction in U.S. dollars if the
transaction involves a currency conversion 
1% of each transaction in U.S. dollars if the
transaction does not involve a currency
conversion

Up to $20.00 if your payment is late

Up to $20.00 if you exceed your credit limit

Up to $25.00 if your payment is returned for any
reason

your
Account

•Annual Fee:

•Application
Fee:

Transaction
Fees

•Balance
Transfer:

•Cash
Advance:

•Foreign
Transaction:

Penalty
Fees

•Late
Payment:

•Over-the-
Credit Limit:

•Returned
Payment:

How We Will Calculate Your
Balance. We use a method called
“average daily balance (including
new purchases).”

We’re giving our proﬁts back to you.

Credit Cards

6.90  % 
APR3

IRAs

as 
high 
as

 2.12

 
 
 
 
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