9/14/2021

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

  >  Personal (/personal)  >  Credit Cards (/personal/credit-cards)

>  Visa® Low Rate Platinum (/personal/credit-cards/visar-low-rate-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 September 7, 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.

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Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

• 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).

• 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)

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9/14/2021

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

Routing Number: 211880271

NMLS Number: 460131

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The Ocial Credit Union of 

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9/14/2021

Low-Rate Platinum Visa® Credit Card Disclosures & Details | UMassFive

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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)

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