P.O. 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 July 1, 2015. 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:

Annual Percentage Rate 
(APR) for Purchases, 
Cash Advances, & 
Balance Transfers

Platinum Rewards

Gold Rewards/
Rebate

Secured Classic

Student Rewards

8.75%
This APR will vary with 
the market based on 
the Prime Rate*.

9.75%
This APR will vary 
with the market based 
on the Prime Rate*.

11.75%
This APR will vary with 
the market based on 
the Prime Rate*.

11.75%
This APR will vary with 
the market based on 
the Prime Rate*.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge you in-
terest on purchases if you pay your entire new purchase balance by the due date each month. For 
Cash Advances and Balance Transfers, we will begin charging interest on the transaction date.

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 website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore

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 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 : 5.50% for Platinum Rewards; 6.50% 
for Gold Rewards/Rebate; 8.50% for Secured Classic; and 8.50% for Student Rewards. 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 18.00%. Any increase will take the form of more payments of the same amount.

MKT-363 11.15