Visa® Rates
At First Future Credit Union, our Platinum Visa and Platinum Rewards Visa let you enjoy your spending power with no annual
fees, and you can take advantage of our lower rates and pay off your higher interest credit cards at the same time! With our
Platinum Visa and Platinum Rewards Visa, anything is possible!
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Rates effective:
07/03/2008
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Platinum and Platinum Rewards
Visa Credit Card Disclosure Summary
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Variable Annual Percentage Rate for Purchases and Cash Advances
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9.99% - 18.99%
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Default Annual Percentage Rate
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19.99% fixed rate. If the minimum payment is delinquent for 61 days past the due date, the
APR for all balances will increase to the default rate.
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Variable Rate Information
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The annual percentage rate may vary. The rate is determined by adding a margin to the Wall
Street Journal Prime Rate**. The margin is determined by your credit report and is as follows: Platinum Visa
2.74% to 11.74%; Platinum Rewards Visa 3.24% to 12.24%. The minimum APR is 9.99% and the maximum rate is
18.99%.
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Grace Period for Purchases
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You have 25 days to repay your balance for purchases before incurring a finance charge.
There is no grace period on cash advances, overdraft protection advances, or balance transfers.
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Method of Computing the Balance for Purchases
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Average Daily Balance (including new purchases)
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Annual Fee
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None
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Cash Advance Fee
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2% of Advance
($5 Minimum and $100 Maximum)
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Other Fees
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Late Payment: $10 (if 10 days late)
Over the Limit: $10 (if over by $500 or 120%, whichever is less)
Inactive Visa: $25 per year
Card Replacement: $5
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* Rates may change the first day of each quarter (Jan, Apr, Jul, and Oct). The rate will
be determined by adding the margin to the Prime Rate as published in the Wall Street Journal on Monday
preceding the first day of each quarter. For current rates and terms, please contact First Future
Credit Union at 858/450-4400 or 800/693-3333.
Rates subject to change without notice.
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