11/2/21, 10:36 AM

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

  >  Personal (/personal)  >  Credit Cards (/personal/credit-cards)

>  Low Rate Visa® Platinum (/personal/credit-cards/low-rate-visa-platinum)

>  Low Rate Platinum Visa® Credit Card Disclosures & Details

Low-Rate Platinum Visa® Credit
Card Disclosures & Details

Disclosures

The current prime rate is: 3.25%. Rates effective as of October 26,
2021. Rates subject to change at any time.

• Variable rates subject to change. Rates are based on an index of Prime
Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit

score.

• Total amount of all unsecured loans and lines of credit may not exceed

$50,000 per member.

• You have 25 days to repay your balance for purchases in full by the

payment date on your periodic billing statement.

• Method of computing the balance for purchases: Average Daily Balance

(excluding new purchases).

https://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures

1/3

11/2/21, 10:36 AM

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

• Fees: 

o $27.00 Late Fee 

o $10.00 Card Replacement 

o $20.00 Placed on Revoked List 

o $5.00 Draft Copy 

o 3% Cash Advance Fee (min. $10.00) 

o $5.00 Chargeback 

o $27.00 Returned Payment Fee

• The minimum monthly payment is 2% of the unpaid balance with a

minimum payment of $25. There are no default rates, limits as high as

$25,000, and 24-hour customer service support.

Details

Our Low Rate Platinum Visa® Credit Cards all come with benets offered by
Visa. (https://usa.visa.com/support/consumer/card-benets.html/)

<-- Back to Low Rate Platinum Visa Credit Cards Page (/personal/credit-
cards/low-rate-platinum-visa)

Routing Number: 211880271

NMLS Number: 460131

https://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures

2/3

 
11/2/21, 10:36 AM

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

Find a Branch/ATM or Contact Us (/nd-branchatm)

Disclosures (/disclosures)

Wire Transfers (/wire-transfers)

Security (/security)

Careers (/careers)

Accessibility (/website-accessibility)

Feedback (/member-feedback-form)

The Ocial Credit Union of 

 (https://umassathletics.com/)

 (https://www.facebook.com/umassve)  

 (https://twitter.com/umassve)

 (https://www.instagram.com/umassve/)

 (https://www.youtube.com/user/UMassFiveCU)

Copyright © 2021 UMassFive

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit
Union Administration, a U.S. Government Agency.

 (https://www.hud.gov/program_oces/fair_housing_equal_opp)

(https://www.ncua.gov/Pages/default.aspx)

https://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures

3/3