Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	9.90%–18%GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	9.90%–18%GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	9.90%–18%GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
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

Platinum MasterCard Account Opening Disclosurepage 1 of 4

GENISYS CREDIT UNION

Genisys Platinum MasterCard Credit Cardholder Agreement and Disclosure

THIS INFORMATION IS ACCURATE AS OF AND MAY CHANGE.

To find out what may have changed call us at 248-322-9800 x5, 800-521-8440 x5, or write to us at P.O. Box 436034, Pontiac, MI 48343-6034.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 9.90% - 18.00% based on your creditworthiness at the time you open your Account. APR for Balance Transfers · 9.90% - 18.00% based on your creditworthiness at the time you open your Account. APR for Cash Advances · 9.90% - 18.00% based on your creditworthiness at the time you open your Account. Penalty APR and When It Applies · None Paying Interest · Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · None 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 http://www.consumerfinance.gov/learnmore

Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transactions · None None Up to 1.1% of each transaction in U.S. dollars Penalty Fees • Late Payment • Returned Payment · Up to $25.00 Up to $26.00

How We Will Calculate Your Balance : We use a method called 'average daily balance (including new transactions)'. See your account agreement for more details.

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

Periodic Rates and Corresponding APRs

The following periodic rate and corresponding APR applies to all purchases made under this account . Periodic Rate: .825% - 1.500% Corresponding APR: 9.90%-18.00%

The following periodic rate and corresponding APR applies to all cash advances made under this account . Periodic Rate: .825% - 1.500% Corresponding APR: 9.90%-18.00%

The following periodic rate and corresponding APR applies to all balance transfers made under this account Periodic Rate: .825% - 1.500% Corresponding APR: 9.90%-18.00%

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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.

GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”
Read exact source ↗
GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“9.90% - 18.00% based on your creditworthiness at the time you open your Account.”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

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

Offered through: Genisys Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68536
Branches: 33 in MI, MN
Sources: Official issuer · 1 document · 1 page cited

Documents

Platinum MasterCard Account Opening Disclosureeffective date not parsed

Platinum MasterCardGenisys Credit Union · state credit union, MI · NCUA 68536

Rates and fees