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VISA PLATINUM POINTS CHOICE REWARDS

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Search

To reach our Card Services experts call: 
(800) 283­2328, ext. 6035
(tel:+18002832328p6035)

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locator/)

Certificate Special
Offer

Home Equity Loan

VISA Balance
Transfer

APY*

1.45%

Click for Details
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certificate­rate)

APR*

3.74%

Click for Details
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APR*

1.90%

Click for Details
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balance­transfer)

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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield

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VISA Platinum Points Choice Rewards

We offer three VISA credit cards options. Our options include:

VISA Platinum Points Rewards Credit Card ­ See Below

VISA Platinum Cash Back Rewards Credit Card (/learn/rates­center/visa­platinum­cash­rewards/)

VISA Platinum Select Credit Card (/learn/rates­center/visa­platinum­select­credit­card/)

VISA Platinum Points Rewards Credit Card Disclosure

Annual Percentage Rates (APR)
for Purchases

APR for Cash Advances and
Balance Transfers

Penalty APR and
When It Applies

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection
Bureau

Annual Fee

Transaction Fees
• Foreign Transaction Fee

Late Payments

Over Limit Fee (Opt In)

Return Payment Fee

Expedited Card Replacement Fee

VISA Platinum Points Rewards Credit Card Disclosure

Interest Rates and Interest Charges*

11.0% ­ 17.99% when you open your account, based on your creditworthiness. 
After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be
adjusted based upon your creditworthiness at that time.

11.0% ­ 17.99% when you open your account based on your creditworthiness. 
After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be
adjusted based upon your creditworthiness at that time.

18.0% If your account becomes 60 days delinquent. 
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be
applied to your balances for a minimum period of six months or payment cycles. Penalty APR will apply until you
become current and make six consecutive minimum monthly payments.

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 date.

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).

None

Fees

1.0% on multiple currency conversions, 0.80% on single currency conversions.

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

Other Features

Loan Protection

If you elect to obtain the optional loan protection coverage and pay the monthly protection fees, we will cancel your
payments and outstanding balance if you die, become disabled or become involuntarily unemployed.

How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases).
The above variable APR and fees are accurate as of January 1, 2016. The variable APRs are based on the current Prime Rate of 3.5%.

Balance Transfers: All Balance Transfer requests are determined by your available line of credit and should your request exceed that amount it will be declined. You do have
the ability to request a line of credit increase to support your request if need be. Please allow a minimum of up to two (2) weeks for processing and receipt by the identified
recipients. Members 1st FCU are not responsible for any fees or interest associated with the identified recipient account transfers. It is your responsibility to make all
minimum payments on any account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if you select.
Balance Transfers can be credited directly to a member's checking or savings account. All Balance Transfers incur interest charges at the disclosed APR from the time of the
transaction date, not the check clearing date by the recipient.

VISA Platinum Points Rewards Credit Card Agreement

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© 2016 Members 1st FCU. All Rights Reserved.

 
 
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We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. (http://portal.hud.gov/hudportal/HUD) This
credit union is federally insured by the National Credit Union Administration. (http://www.ncua.gov/Pages/default.aspx)