WSECU 

Washington State Employees Credit Union
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  ___________________.  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: 

WSECU PLATINUM 

Annual Percentage Rate
(APR) for Purchases &
Cash Advances 

APR for Balance 
Transfers** 

Paying Interest 

WSECU LOW RATE  WSECU CREATE*** 

WSECU CASH 
BACK 
_______%-
_______% 

_______%-
_______% 
depending on your credit  depending on your  depending on your credit  with the market 
history. This APR will vary  credit history. This  history. This APR will vary  based on the Prime 
with the market based on  APR will vary with  with the market based on  Rate*. 
the Prime Rate*. 

_______% 
This APR will vary 

_______%-
_______% 

the Prime Rate*. 

the market based 
on the Prime Rate*. 

______% 
This APR will vary 
with the market 
based on the Prime 

0% Introductory APR on 
______%-
balance transfers for 6 
______% 
depending on your  months if the transfer is 
credit history. This  made within 60 days of 

0% Introductory APR on 
balance transfers for 6 
months if the transfer is 
made within 60 days of 
account opening. After that,  APR will vary with  account opening. After that,  Rate*. 
your Standard APR will be 
______%- ______% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate*. 
Your due date is at least 21 days after we mail your billing statement. We will not charge you
interest on purchases or balance transfers if you pay your entire new purchase or balance
transfer balance by the due date each month. We will begin charging interest on cash advances
on the date the cash advance is posted to your account. 

depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate*. 

the market based 
on the Prime Rate*.  ______%- ______% 

your Standard APR will be 

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 
Applies to WSECU Create only: First time payment is late: $10.00 or your minimum payment 
required, whichever is less. Second time payment is late: $20.00 or your minimum payment 
required, whichever is less. All subsequent late payments: $25.00 or your minimum payment 
required, whichever is less. 
Applies to all other cards: $25.00 or your minimum payment required, whichever is less. 
Balances of $25.00 or less must be paid in full. 

9009 LASER ML FPDF FI11575 Rev 10-2019 

SEE NEXT PAGE for more important information about this account 
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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How  We Will  Calculate  Your Balance:  We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a 
late payment. 

*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:  _______%-_______%  depending  on  your  credit  history. 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: 29.99%. Any increase will take the form of more payments of the same amount. 

**Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate 
does not apply to balances transferred from other WSECU credit cards or loans. 

***On-Time Payment Discount (Applies to WSECU Create only): You will receive a 0.25% discount on the APRs disclosed 
on page 1 each time you make a series of six consecutive qualifying payments on or before the payment due date in a billing 
cycle, up to a maximum total of a 2% discount. A “qualifying payment” is one you have made on or before the payment due date 
in a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-time 
payments in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you make 
six consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in the 
paragraph.  If  you  make  a  late  payment,  the  number  of  accrued  qualifying  payments  resets  to  zero  and  you  must,  from  that 
point, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make a 
late payment. 

Skip  Payment  (Applies  to  all  cards  except  WSECU  Create):  If  we  make  a  skip  payment  option  available,  you  may  skip 
making  your  payment(s)  for  certain  month(s).  If  you  choose  this  option,  interest  will  continue  to  accrue,  but  no  late  payment 
charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again apply 
once the skip period has expired. A Skip a Pay fee of $15.00 will apply. 

Cash Back (Applies to WSECU Cash Back Signature only): 1% cash back will be paid on purchases made on your card. 1% 
cash back will not be earned on cash advances from an ATM, convenience checks, finance charges, or any fees assessed on 
your  account,  including  foreign  transaction  fees.  One-half  percent  (.50%)  cash  back  will  be  paid  on  all  payments  to  your 
account. Cash back earned on eligible transactions during a billing cycle will be applied as a credit to your account on the last 
day of the same billing cycle in which the transactions post to your account. If your account balance is $0 on the last day of the 
billing  cycle,  any  earned  Cash  Back  will  be  applied  to  your  primary  share  savings.  Billing  cycles  typically  end  on  the 
seventeenth (17th) of each month. 

9009 LASER ML FPDF FI11575 Rev 10-2019 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.