West Coast Federal Employees Credit Union
Visa Credit Card

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

Visa Platinum
9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic
9.0%, 9.90%, 10.90%, 11.90%,
or 12.90%

when you open your account, based on your creditworthiness.

Visa Secured
14.90%

APR for Cash Advances

Visa Platinum
9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic
9.0%, 9.90%, 10.90%, 11.90%, or 12.90%
when you open your account, based on your creditworthiness.

Visa Secured
14.90%

APR for Balance Transfers

Visa Platinum
9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic
9.0%, 9.90%, 10.90%, 11.90%, or 12.90%
when you open your account, based on your creditworthiness.

Visa Secured
14.90%

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
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 Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
• Balance Transfer Fee
 

• Foreign Transaction Fee

 
$15.00 or 2.00%
of the amount of each balance transfer, whichever is greater

1.00% of each transaction in U.S. dollars

Penalty Fees
• Late Payment Fee
• Returned payment Fee

$20.00
$25.00

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

Effective Date.
The information about the costs of the card described in this application is accurate as of April 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $20.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee $17.00
Emergency Card Replacement Fee $17.50
Research Fee $25.00
-->
Main Office
3487 Clark Road
Sarasota, Florida 34231
941.925.2890 Phone
Hours Of Operation
Mon, Tue, Thur. 9am - 5pm
Wednesday 9am - 2pm
Friday 9am - 6pm
941.922.2973 Fax
Branch Office
852 Tallevast Road
Sarasota, Florida 34243
941.925.2890 Phone

For lost or stolen Visa Credit cards please call 1-800-338-0566

For lost or stolen MasterCard Debit Cards please call 1-800-472-3272
 

This credit union is federally insured by the National Credit Union Administration

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.


 

Board of Directors Access

Copyright © 2007, West Coast Federal Employees Credit Union. All Rights Reserved.
Unauthorized Access is Prohibited. All Accesses are Monitored.`

Site Design and Hosting by Ewart Technologies, Inc.

To assist members in accessing information not maintained on this site, the credit union provides links to other Internet addresses. Be advised that: 1) by clicking on any link to other Internet addresses, you are leaving the credit union’s web site; 2) you are linking to an alternate web site not operated by the credit union; 3) the credit union is not responsible for the content of the alternate web site; 4) the credit union does not represent either the third party or the member if the two enter into a transaction; and 5) privacy and security policies may differ from those practiced by the credit union.