Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	16.15%–17.90% variableFLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate.”FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 9
APR for balance transfers	16.15%–17.90% variableFLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate.”FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 9
APR for cash advances	17.90%FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“17.90%”FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 9
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”FLORIDA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 9
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Wave Agreement - FCUPTDC0020-1225 - Non-Promopage 9 of 9

Interest Rates and Interest Charges Effective December 11, 2025 Florida Credit Union Disclosure Information · VISA® Platinum Wave Card Annual Percentage Rate (APR) for Purchases · 16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate. APR for Balance Transfers · 16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate. APR for Cash Advances · 17.90% PenaltyAPR and When it Applies · None How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · None None 1% of each transaction in U.S. dollars Penalty Fees • Late Payment • Over-the-credit limit • Returned Payment · Upto $35 Upto $35 Upto $35 Other Fees • Card Replacement • Rush Mail Fee • Balance Consolidation Stop Payment Fee · $25 $25 (Priority Handling) $35

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See your account agreement for more details. How We Will Calculate Your APR: Unless an introductory or promotional APR is in effect, your standard variable APR will be calculated by adding a 'margin' to the U.S. Prime Rate. The 'margin' for purchases and balance transfers will be 9.40%17.90% points based on your creditworthiness.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

1 2 3 4 5 6 7 8 9Page 9 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate.”
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FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“17.90%”
Read exact source ↗
FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“16.15% to 17.90% when you open your account. YourAPR will vary with the market based on prime rate.”
Read exact source ↗
FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“None”
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FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“If you are charged interest, the charge will be no less than $1.50.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
FLORIDA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: Florida Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60497
Branches: 16 in FL
Sources: Official issuer · 1 document · 1 page cited

Documents

Wave Agreement - FCUPTDC0020-1225 - Non-Promoeffective date not parsed

PLATINUM WAVE CREDIT CARDFlorida Credit Union · state credit union, FL · NCUA 60497

Rates and fees