Platinum Mastercard® Credit Card Disclosure

Annual Percentage Rate (APR) for Purchases, Balance Transfers, Cash Advances and Convenience Checks

3.99% promotional APR for transactions posted between November 20, 2017 and July 19, 2018. Promotional rate on those posted transactions will expire on January 19, 2019.

For transactions posted after July 19, 2018, your APR will be
10.25% .
This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies NONE
How To Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest accrues on cash advances, balance transfers, and convenience checks on the transaction date.
Minimum Interest Charge NONE
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about shopping for and using credit cards, visit the Consumer Financial Protection Bureau's website at: www.consumerfinance.gov/learnmore.
Fees  
Annual Fee NONE
Transaction Fees  
Balance Transfer NONE
Cash Advance NONE
Foreign Transaction in US Dollars 1.00% of all transactions, in U.S. dollars.
Penalty Fees  
Over-the-Credit Limit NONE
Late Payment $10.00 if payment is received more than 10 days after its due date.
Returned Payment $20.00
Other Fees  
Card Replacement $10.00
Card Replacement Rush $35.00
Emergency Card Replacement $35.00
PIN Mailer Request $10.00
Pay-by-Phone $5.00
Statement Copy Fee $5.00 (First three statement copies are free)
Document Copy Fee $10.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

For California Borrowers, the Platinum Mastercard is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

All credit subject to approval.