Visa® Platinum Cash Back Rewards

*This APR may vary with the market based on the Prime Rate.
†This APR may be applied to your account if you make a late payment. If your APRs are increased for this reason, for transactions that you make prior to the effective date of the increase, the Penalty Rate will apply indefinitely.

Effective Date: October 1, 2018. The APR is accurate as of the effective date.

Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.

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

For Credit Card tips from the Federal Reserve Board: 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.federalreserve.gov/creditcard

Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

**1% cash back will be paid on all purchases. Cash back will be paid out annually in November no later than November 30, 2018, on amounts greater than or equal to $25. Credit will be applied to share accounts that are open and in good standing. Some restrictions may apply. Please contact a credit union representative for additional details.