Platinum: 7.50% as of April 2008. 
Classic: 5.9%* for the first 6 billing cycles, then 10.00% as of April 2008. 

Cash advances and convenience checks: 7.50% (Platinum) and 10.00% (Classic) as of April 2008.
Balance consolidations: 6.99%** for the life of the balance (Platinum) and 5.9% for the first six billing cycles, then  10.00% (Classic) as of April 2008.

Your Annual Percentage Rate may vary quarterly. It will be determined by adding 5.00% (Platinum) or 7.5% (Classic) to the 13-Week US Treasury Bill rate.***

You have 25 days to repay your balance before a finance charge on purchases will be imposed.

Average daily balance, including new purchases.

None

None

Transaction fee for purchases
Transaction fee for cash advances
Balance consolidation fee
Late payment/return payment fee
Over credit limit fee
Foreign Transaction fee

None
None
None
$20.00
$20.00
1% of transaction amount

*You will lose the 5.9% introductory rate, and immediately be charged the then standard rate if your account becomes two payments past due during the first six billing cycles.
**The 6.99% balance consolidation rate on the Platinum Visa is available during the first twelve billing cycles after account opening. Thereafter, all balance consolidations will be at our then standard rate.
***The 13-Week US Treasury Bill Rate used to determine your APR is the rate from the last auction in the last month of each calendar quarter. The minimum APR is 7.50% (Platinum) or 10.00% (Classic) and the maximum APR is 18%; however, the credit union may charge below the minimum rate at its option.

The information about the costs of the cards described above is accurate as of April 2008. This information may have changed after that date. To find out what may have changed, please call 1-800-568-5711.