Locations
Careers
About
Contact
Foundation
Routing Number (ABA): 307083665
Accounts
Become a Member
Checking
Essential Checking
Dividend Checking
breeze
Contactless Visa Debit Card
The Power of Change
Overdraft Protection
Wire Transfers
Savings
Savings Accounts
Money Market Accounts
Share Certificates
Traditional and Roth IRAs
Coverdell Accounts
Holiday and Vacation Club Accounts
Mobile and Internet Banking
Logging In
Mobile Banking App
Bill Payer
Mobile Deposit
Money Transfer
Telephone Banking
Mobile Pay
Debit Card Lock
Credit Score
Share Certificates
Loans & Credit Cards
Overview
Credit Cards
Platinum Credit Card
Platinum Rewards Credit Card
Platinum Cash Rewards Credit Card
Contactless
Gift Cards
Credit Card Information
Credit Card Rewards and Benefits
Auto Loans
New Auto Loans
Used Auto Loans
Fuel-Efficient Auto Program
RV Loans
Motorcycle Loans
Preferred Dealer Program
AutoSMART
Auto Loan Information
Personal Loans
Overdraft Protection Line of Credit
Savings Secured Loans
Personal Assistance Loan
Solar & Energy-Efficient Loans
Make a Loan Payment
Mortgages
Overview
Mortgage Options
Refinance
Home Equity Loans
Investments
Investment Services
Business
Overview
Checking
Business Rewards Debit Card
Business Platinum Rewards Credit Card
Business Money Market
Commercial Lending
Business Internet Banking
Treasury Management
Member Benefits
Member Savings
Member Discounts
Insurance
Earn Your Return
Community Rewards
The Power of WE in Action
Member Stories
Education & Workshops
Workshops
BALANCE Financial Fitness Program
Security Center
Security Measures
Fraud Prevention
Identity Protection
Financial Calculators
Financial Well-being Resources
News & Resources
Financial Library
FAQs
eStatement FAQs
Enhanced Login Security FAQs
iPhone & Android FAQs
Mortgage Payment FAQs
Newsroom
Security Alerts
Brochures
Rates & Fees
Western Heritage Resources
Credit Cards
Platinum Cash Rewards Credit Card Terms & Conditions
Explore credit card options
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Cash Advances and Purchases for Visa Platinum Cash Rewards Card
For
Platinum Cash Rewards Card,
your APR will be
15.75% or 17.75
%
,
based on your creditworthiness. This APR will vary with the market based Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers for Visa Platinum Cash Rewards Card
5%
Promotional APR on all balance transfers (for the first 6 cycles after card opening). Once the
5%
APR Intro Rate expires, your APR will return to your normal variable rate of
15.75%
or
17.75%
APR.
APR on
Platinum Cash Rewards Card
will be
15.75% or 17.75%
,
depending on your credit history.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
17.75%
this APR may be applied to your account if you make a payment that is late 60 days or more.
How Long Will the Penalty APR Apply?
If we increase your APRs due to late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments starting with the first payment after the date on which it is imposed. If the six consecutive on time minimum payments are not made, we have the option of keeping the Penalty APR on your account indefinitely.
Paying Interest
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances, balance transfers and credit card checks on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than
$1.00
.
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
www.consumerfinance.gov/learnmore
.
Fees
Fees to Open or Maintain your Account
Annual Fee:
None
Application Fee:
None
Transaction Fees
Balance Transfer:
None
Cash Advance:
1%
of the amount of each cash advance (minimum:
$2.00
; maximum:
$20.00
)
Foreign Transaction:
Visa USA charges us a
1%
International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.
Penalty Fees
Late Payment:
If your payment is late, up to
$27.00
for the first offense and up to
$35.00
each if 2 or more offenses occur within 6 months.
Over-the-Credit Limit:
None. We do not allow transactions that will exceed your credit limit.
Returned Payment:
Up to
$26.00
if your payment is returned for any reason.