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VISA PLATINUM SECURED CREDIT CARD

VISA Platinum Secured Credit Card

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Apply Online For A VISA Credit Card (/products­services/loans/online­loan­applications)

Our options include:

VISA Platinum Points Choice Rewards Credit Card (/learn/rates­center/visa­platinum­points­choice­rewards/)

VISA Platinum Cash Rewards Credit Card (/learn/rates­center/visa­platinum­cash­rewards/)

VISA Platinum Secured Credit Card – See Below

VISA Platinum Select Credit Card (/learn/rates­center/visa­platinum­select­credit­card)

VISA Platinum Secured Credit Card Account Disclosures

VISA Platinum Secured Credit Card Account Disclosures

Interest Rates and Interest Charges*

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To reach our Card Services experts call:
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Certificate Special
Offer

Home Equity Line
of Credit

VISA Balance
Transfer

APY*

1.45%

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APR*

APR*

1.99%

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1.90%

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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield

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Annual Percentage Rates (APR) for Purchases 18.0%.
APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on Purchases

18.0%.
18.0%.
Your due date is approximately 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 posting date.

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 Federal Reserve Board at http://www.consumerfinance.gov/learnmore
(http://www.consumerfinance.gov/learnmore).

Annual Fee

Foreign Transaction Fees

Transaction Fees
• Cash Advance Fees
• Balance Transfer Fees

Late Payments

Over Limit Fee (Opt In)

Return Payment Fee

Expedited Card Replacement Fee

Fees

$25.00

None

1.0% of the amount of each transaction at ATMs, Over­the­Counter or Cash Equivalent.
1.0% of the amount of each balance transfer.

Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.

Penalty Fees

Up to $15.00

$20.00

$10.00

How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases).

Minimum Deposit Requirement: In order to open this Secured Credit Card Account, a minimum deposit equal to the card credit limit is required as security for a Members
1st VISA Platinum Secured Credit Card. The minimum average balance to earn Annual Percentage Yield (APY) is $500.00.
Maximum Deposit Amount: The maximum deposit requirement is the lesser of the credit card credit limit or $5,000.00. Deposits exceeding the amount of the card credit limit
are not permitted to the Secured Card Savings Account.
Account Graduation: The Members 1st FCU VISA Platinum Secured Credit Card offers cardholders who have demonstrated 24 months of continuous on time payments
without any derogatories the ability to convert their Secured Credit Card to any other unsecured Members 1st credit card priced and based upon the cardholder's
creditworthiness at the time of graduation.

The above APR and fees are accurate as of January 1, 2016.

Members 1st Federal Credit Union
Secured Card Savings Account Disclosures

The fees and terms applicable to your Secured Card Savings account at the Credit Union are provided in this
Truth­in­Savings Disclosure. The Credit Union may change the APY for these accounts.
Effective Date: January 1, 2016

Dividend Rate/Annual Percentage Yield

0.15% Rate/ 0.15% APY

DIVIDEND

Minimum Opening Deposit

Minimum Balance to Earn Stated APY

BALANCE REQUIREMENTS

$500.00

$500.00

TRUTH­IN­SAVINGS ACCOUNT DISCLOSURES

Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and
frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields that the Credit Union anticipates paying
for the applicable dividend period. Except as otherwise noted, the Dividend Rate and Annual Percentage Yield for the account are variable and may change at any time at the
discretion of the Credit Union.
Compounding and Crediting. Dividends will be credited monthly to your account and transferred to your Regular Savings Account. There will be no compounding of
dividends in the Secured Card Savings Account. The dividend period begins on the first calendar day of each calendar month and ends on the last calendar day of each
calendar month. The dividend period is monthly.
Balance Computation Method. Dividends are calculated by the average daily balance method in which dividends are computed by applying a periodic rate to the average
balance in the account for each day of the period and dividing that sum by the number of days in the period.
Accrual of Dividends. Dividend will begin to accrue on cash and non­cash deposits (e.g., checks) on the business day you make the deposit to your account. Balance
Information. The minimum balance required to open each account tis disclosed under the Minimum Opening Deposit column shown above. For Savings accounts, there is a
minimum balance required to obtain the Annual Percentage Yield and to avoid a service fee. If the minimum balance is not met on any day, you will not earn the stated Annual
Percentage Yield and there will be a monthly service fee.
Fees and Charges. See Service Charge schedule for a list of fees and charges that may be assessed against your account.
Transaction Limitations. Transfers, deposits and withdrawals from the Secured Card Savings account are restricted due to the security interest granted to the Credit Union.

 
Transaction Limitations. Transfers, deposits and withdrawals from the Secured Card Savings account are restricted due to the security interest granted to the Credit Union.
Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
Bylaw Requirements. See Membership & Account Agreement.

CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL
INVESTORS.
The Secured Card Savings Account will not be included in calculating Member Loyalty Rewards balance or service computations but the credit card balance will be
included.

VISA Platinum Secured Credit Card Account Agreement

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