USA PATRIOT ACT
Member Identification Requirements

In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be request for current members if original documentation was not obtained with the opening of the account. In all cases, protection of our members’ identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our members and our country.

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

 

YOUR BILLING RIGHTS

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. 
If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement.  Write to us as soon as possible.  We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:

  • Your name and account number.

  • The dollar amount if the suspected error.

  • Describe the error and explain, if you can, why you believe there is an error. 

If you need more information, describe the item you are not sure about.
If you have authorized us to pay a credit card account automatically from your share account or share draft account, you can stop the payment on any amount you think is wrong.  To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.  We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 90 days, we must either correct the error or explain why we believe the statement was correct. 
     After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent.  We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.  You do not have to pay any questioned amount while we are investigating, but you are still obligated  to pay the parts of your statement that are not in question.
     If we find that we made a mistake on your statement, you will not have to pay any finance charges relating to any questioned amount.  If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount.  In either case, we will send you a statement of the amount you owe and the date that it is due. 
     If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement.  And, we must tell you the name of anyone we reported you to.  We must tell anyone we report you to that the matter has been settled between us when it finally is.   If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES.
  If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.  There are two limitations on this right: (a) You must have made the purchase in your some state or, if not within your home state, within 100 miles of your current mailing address: and (b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.           

CUNA MUTUAL GROUP
CUNA
Mutual Insurance Society
P.O. Box 391  *  5910 Mineral Point Road  *  Madison, WI  53710-0391 Phone: 800/937-2644
(Called WE)
CREDIT LIFE/CREDIT DISABILITY
CERTIFICATE OF INSURANCE
You may call CUNA Mutual
toll free at 1-800-937-2644 for information
or assistance concerning your
Member Elect credit insurance coverage.

Within 15 days after you receive this Certificate, you have the right to return the Certificate to the credit union for cancellation and any premium paid by you will be immediately returned.

We certify that while we are paid the premiums for the Group Policy by the credit union as they become due, you are insured for the coverage marked in the Schedule, subject to the terms of the Group Policy issued to the credit union.

Benefits
Benefits are paid to your credit union to pay off or reduce your loan.  If the benefits are more than the balance of your loan, the difference will be paid to you if you are living or to the Beneficiary named by you, if any, or to your estate.  Our payment will completely discharge our liability to the extent of the payment. 
Death Benefit.  If you die while you are insured for life coverage, we will pay the principal balance of your loan on the date of your death, plus not more than six (6) months unpaid interest on your loan to that date, not to exceed the Maximum Amount of Life Insurance.
Joint Insured Death benefit.  If your joint insured dies while insured for life coverage, we will pay on the same basis as above.  Only one (1) death benefit, however, is payable under this Certificate.
Total Disability Insurance Benefit. 
If you are insured for disability coverage, we will pay a benefit if you file written proof that you became totally disabled while insured and continue to be totally disabled for longer than the period sated in the Schedule.  Payment will be calculated beginning with the day shown in the Schedule.
     The monthly benefit for each month of your disability to be compensated will be equal to the minimum monthly payment required on your loan on the date you became disabled.  For a partial month, each daily benefit will be equal to 1/30th of the monthly benefit.  Our monthly benefit payment will not exceed the Maximum Monthly Total Disability Benefit stated in the Schedule.  Our total payments for any one period of your disability will not exceed the maximums stated in the Schedule.
Our benefit payments will stop on the date:

  1. you are not totally disabled any more; or

  2. the insured portion of your loan has been repaid or otherwise stops; or

  3. the balance of your loan has been paid by a lump sum disability benefit under a credit life insurance policy; or

  4. of your death.

Definition of Total Disability.  During the first 12 consecutive months of total disability.  Total Disability means that you are not able to perform most of the duties of your occupation because of a medically determined sickness or accidental injury and are under the care and treatment of a physician.  After the first 12 consecutive months of Total Disability, the definition changes and requires that you not be able to perform the duties of any occupation for which you are reasonably qualified by education, training or experience.  You will be required to give us proof that your continuing Total Disability from time to time. 

If your Total Disability recurs within  seven (7) days after you have recovered from that period of Total Disability, we will consider this a continuation of that period of Total Disability.  However, if your Total Disability recurs more than seven (7) days after you have recovered, we will consider it a new period of Total Disability. 

EXCLUSION AND RESTRICTIONS

Misstated Age.  If you stated you are under the Maximum Age for Insurance stated  in the Schedule, but you are not, we will return your premium when we discover this and will not pay any benefits.  This applies to disability coverage as well as life coverage on you and your joint insured.

The following Exclusions for life insurance apply also to your joint insured.

  1. Pre-Existing Conditions.  We won’t pay a claim for an advance on a loan if you die within 6 months after the effective date of insurance on the advance and death results directly or indirectly from, or is contributed to by a disease or bodily injury for which you received medical advice, diagnosis or treatment at any time during the six (6) months immediately preceding the effective date of insurance on the advance.
  2. Suicide.  We won’t pay a claim for an advance on a loan if you commit suicide within 6 months after the effective date of insurance on the advance.  We will, however, refund the premium on the advance. 

The following Exclusions apply to disability insurance.

Total Disabilities Not Covered.  We won’t pay a claim for any advance on a loan or return your disability insurance premium if your Total Disability:

  1. begins within six (6) months after the Effective Date of insurance on the advance and results from any disease or bodily injury for which you received medical advice, diagnosis or treatment at any time within the six (6) month period immediately preceding the Effective Date of insurance on the advance, provided, however, that disability commencing thereafter resulting from such condition shall be covered; or

  2. is a result of normal pregnancy.

WHEN INSURANCE STOPS

This insurance automatically stops:

  1. on the last day of the month in which we receive your written request to stop the insurance; or if earlier,

  2. on the last day of the month in which you withdraw your authorization for the addition of charges for the insurance to your loan; or

  3. on the last day of the month during which you reach the Maximum Age for Insurance; or

  4. on the date your loan stops; or

  5. on the last day of the month in which you are three (3) months delinquent in any payment on your loan; or

  6. on the date the Group Policy stops; or

  7. when the balance of  your loan has been paid by a lump sum disability benefit under a credit life insurance policy; or

  8. on the date of your death; or

  9. on the date your loan is transferred to a creditor other than the credit union.

WHAT THE CONTRACT IS AND HOW YOUR STATEMENTS AFFECT IT

The Group Policy, the Application for the Group Policy and the attached Member’s Application are the complete contract of insurance.  All statements made by you are considered to have been made to the best of your knowledge and belief.  No statement can be used to void this insurance or deny a claim unless that statement is signed by you.  After two (2) years from the date of insurance, no statement made by you can be used to void this insurance or deny a claim.  If you stated that you are older than the maximum Age for Insurance or if insurance is issued over the Maximum Amount, and we do not return your premium within 75 days after we receive it, you are insured for the period the premium would purchase regardless of your actual age.  

HOW TO FILE A LIFE CLAIM
We must be given a claim report, a copy of the member’s loan records, insurance application/certificate and a certified copy of the death certificate (or other lawful evidence) as proof of a life insurance claim.
HOW TO FILE A TOTAL DISABILITY CLAIM

You must contact us or your credit union about your Total Disability claim when you are eligible for benefits.  Your credit union will provide you with claim forms or you can simply send us written proof of your disability.  That proof must show the date and the cause of the Total Disability and how serious it is, and it must be signed by a physician or a chiropractor.  The initial proof should be for the initial period of Total Disability, after you have completed the Waiting Period or Elimination Period.  After that, we will require proof of your continued disability, from time to time. 
     You must send proof to us within 90 days after your Total Disability stops.  If you cannot send proof within 90 days, you must do so as soon as you can.  Unless you haven been legally incapable of filing proof of Total Disability, we won’t accept it if it is filed after one (1) year from the time it should have been filed.  You can’t start any legal action until 60 days after you send us proof of your Total Disability and you can’t start legal action more than five (5) years after you send the proof.
CONFORMITY WITH STATE STATUTES

Any part of the Group Policy which, on the Effective Date of the Group Policy, conflicts with the statutes of the state where the Group Policy was delivered is changed to conform to the minimum standards of those statutes.
PHYSICAL EXAMINATION

We, at out own expense, have the right, and you must allow us the opportunity to examine your person as often as is reasonably required while a claim is pending.

CREDIT INSURANCE INFORMATION/SCHEDULE
“You” or “Your” means the member and the joint insured (if applicable).
 

Credit insurance is voluntary and not required in order to obtain this loan.  You may select any insurer of your choice.  The rate you are charged for the insurance is subject to change.  You will receive written notice before any increase goes into effect.  You have the right to stop this insurance by notifying your credit union in writing.  You agree that:

  • If you elect insurance, you authorize the credit union to add the charges for insurance to your loan each month.

  • You are eligible for disability insurance only if you are working for wages or profit for 25 hours a week or more on the date of any advance.  If you are not, that particular advance will not be insured until you return to work.  If you are off work because of temporary layoff, strike or vacation, but soon to resume, you will be considered at work.

  • You are eligible for insurance up to the Maximum Age for Insurance.  Insurance will stop when you reach that age.

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or application containing any false, incomplete, or misleading information is guilty of a felon of the third degree.


 

Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 

  1. you live in or the property pledged as collateral is located in a community state (AZ, CA, ID, NM, NV, TX, WA, WI),

  2. your spouse will use the account, or

  3. you are relying on your spouse's income as a basis for repayment.  If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
    Joint Credit: If you are applying with another person, complete the Applicant and Other sections.
    Guarantor: Complete the Other section if you are a guarantor on an account/loan.

VISA Credit Card Information Section

Credit Type      
If joint, fill out Co-Applicant section also

Credit Card Type 
Credit Limit Requested
If Authorized User, Name:


Applicant Information Section

Account #
Name
Address 1
Address 2
City State    Zip 
Home Number -
Work Number -
Other Number - (i.e. pager, cellular)
Social Security #
Date of Birth
Drivers License #
Mother's Maiden Name
Email

How Long at this Residence?   Years  Months
Rent   Own    Monthly Payment $
Mortgage Balance $ Interest Rate %

Complete for Joint Credit, Secured Credit or if you live in a
Community Property State

Employer Name
Employer Address
Employer City/State   State
Department/Position
Length of Employment Years  Months
Gross Income $
Other Income* $
* Income from alimony, child support or separate maintenance payment need not be revealed if you do not choose to disclose it as income.

Reference
Name    
Address
Phone   


Co-Applicant (Fill out only if Joint Credit)

Account #
Name
Address 1
Address 2
City   State    Zip 
Home Number -
Work Number -
Other Number - (i.e. pager, cellular)
Social Security #
Date of Birth
Drivers License #
Mother's Maiden Name
Email

How Long at this Residence?   Years  Months
Rent   Own    Monthly Payment $
Mortgage Balance $ Interest Rate %

Complete for Joint Credit, Secured Credit or if you live in a
Community Property State

Employer Name
Employer Address
Employer City/State   State
Department/Position
Length of Employment Years  Months
Gross Income $
Other Income* $
* Income from alimony, child support or separate maintenance payment need not be revealed if you do not choose to disclose it as income.

Reference
Name    
Address
Phone   

Comments/Other


State Law Notices
State Law Notices OHIO RESIDENT ONLY: The Ohio Laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, unilateral statement under 766.59, or court decree under 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnishes a copy of the agreement, statement or decree or has actual knowledge of its terms before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for , if granted, will be incurred in the interest of the marriage or family of the undersigned.  
Wisconsin Residents Only: Name:


Signatures 

  1. Your promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it is received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state charted credit union insured by NCUA.
  2. If you are applying for a credit card, you understand that use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement and disclosures.
  3. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure what you owe under the Agreement and if you have applied for a credit card, under the credit card agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an Individual Retirement Account, and nay other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given your shares and deposits.

Applicant's Acceptance
Applicant's Name:
Date:
Co-Applicant's Acceptance

Co-Applicant's Name:
Date:


Credit Insurance Enrollment Form/Schedule
CUNA Mutual Insurance Society Madison, WI 53701-0391 Phone: 800/937/2644 

“You” or “Your” means the member and the joint insured (if applicable) 
Credit insurance is voluntary and not required in order to obtain this loan. You may select any insurer of your choice. You can get this insurance only if you check the “yes” box below and sign your name and write in the date. The rate you are charged for the insurance is subject to change. You will receive a written notice before any increase goes into effect. You have the right to stop this insurance by notifying your credit union in writing. Your signature below means that you agree that:

  • If you elect insurance, you authorize the credit union to add the charges for insurance to your loan each month.
  • You are eligible for disability insurance only if you are working for wages or profit for 25 hours a week or more on the date of any advance. If you are not , that particular advance will not be insured until you return to work. If you are off work because of temporary layoff, strike or vacation, but soon to resume, you will be considered at work.
  • You are eligible for insurance up to the Maximum Age for insurance. Insurance will stop when you reach that age. 

NOTE: THE LIFE AND DISABILITY INSURANCE CONTAINS CERTAIN BENEFIT EXCLUSIONS, INCLUDING A PRE-EXISTING EXCLUSION. PLEASE REFER TO YOUR CERTIFICATE FOR DETAILS.
You Elect The Following Insurance Coverage(s)

Single Credit Disability: 18.5 cents (Cost per $100 of Your Monthly Loan Balance)
Single Credit Life:        
6.7 cents (Cost per $100 of Your Monthly Loan Balance)
Joint Credit Life:          
  11.7 cents (Cost per $100 of Your Monthly Loan Balance)


Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or application containing any false, incomplete, or misleading information is guilty of the third degree.


If you are totally disabled for more than 14 days, then the disability benefit will begin with the 1st. day of disability


Account Number

Secondary Beneficiary:
INSURANCE MAXIMUMS                                          DISABILITY     LIFE 
MAX. MONTHLY TOTAL DISABILITY BENEFIT        $ 750               NA
MAX. TOTAL DISABILITY BENEFIT PER LOAN       $50,000            NA
MAX. BENEFIT DISABILITY DURATION                      60 Mo.           NA
MAX AMOUNT OF LIFE INSURANCE PER MEMBER    N/A          $50,000
MAX. AGE FOR INSURANCE                                          67                72
Date: Borrower Date of Birth:      
Date: Co-Borrower Date of Birth:

Applicant's Name:     
Co-Applicant's Name:
 


 

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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.`

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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.