Credit Card Interest Rates and Fees

Key information you need to know
  • Low rate credit cards with competitive terms
  • Your rate and term will vary on personal credit qualifications

SIMPLICITY/PLATINUM REWARDS/TITANIUM SIGNATURE
REWARDS/PLATINUM REWARDS SECURED® Application and Solicitation Disclosure

Click here for a printable version of the SIMPLICITY/PLATINUM REWARDS/TITANIUM SIGNATURE REWARDS/PLATINUM REWARDS SECURED® Application and Solicitation Disclosure.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Simplicity
0.00%
 Introductory APR for a period of six billing cycles.

After that, your APR will be 7.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards
10.49%
to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Titanium Signature Rewards
9.49%
to 16.49%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Secured
17.00%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Simplicity
7.99% 
to 18.00%, when you open your account, based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.

Platinum Rewards
10.49% to 18.00%
, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Titanium Signature Rewards
9.49%
to 16.49%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Secured
17.00%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Simplicity
7.99% 
to 18.00%, when you open your account, based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.

Platinum Rewards
10.49%
to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Titanium Signature Rewards
9.49% to 16.49%
, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum Rewards Secured
17.00%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Simplicity
17.99% 

Platinum Rewards
17.99%
 

Titanium Signature Rewards
17.99%

Platinum Rewards Secured
17.99%

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due.

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. 

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
Annual Fee  
  • Annual Fee
None

Transaction Fees

 
  • Balance Transfer Fee - Simplicity, Platinum Rewards, Platinum Rewards Secured
None
  • Balance Transfer Fee - Titanium

$50.00 or 1.50% of the amount of each balance transfer, whichever is greater

  • Cash Advance Fee

None

  • Foreign Transaction Fee
None
Penalty Fees  
  • Late Payment Fee
Up to $25.00
  • Returned Payment Fee
Up to $25.00

 

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).” (See cardholder agreement for complete details.)

Promotional Period for Introductory APR - Simplicity:
The Introductory APR for purchases will apply to transactions posted to your account during the first 90 days following the opening of your account.

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of: January 01, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Simplicity, Platinum Rewards, Titanium Signature Rewards and Platinum Rewards Secured are secured credit cards. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Balance Transfer Fee (Finance Charge) - Titanium Signature Rewards:
$50.00 or 1.50% of the amount of each balance transfer, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee:
$5.00 per document.

Rush Fee:
$25.00 for Domestic. Varies for International.