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VISA PLATINUM SELECT CREDIT CARD

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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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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield

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VISA Credit Card Rates

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 (/products­services/card­services/visa­platinum­secured­credit­card/)

VISA Platinum Select Credit Card ­ See Below

VISA Platinum Select Credit Card Disclosure

Annual Percentage Rates (APR)
for Purchases

APR for Balance Transfers

APR for Cash Advances

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

Loan Protection

VISA Platinum Select Credit Card Disclosure

Interest Rates and Interest Charges*

Your APR will be 8.5% ­ 16.0%, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

8.5% ­ 16.0%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
8.5% ­ 16.0% when you open your account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

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).

Fees

None

1.0% on multiple currency conversions 
0.80% on single currency conversions.
Penalty Fees

Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.

Up to $15.00

$20.00

$10.00

Other Features

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 rates and fees are current as of January 1, 2016. The variable APRs are based on the current Prime Rate of 3.5%.

VISA Platinum Select Credit Card Agreement

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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)