Visa PlatinumTinker Credit Union · federal credit union, OK · NCUA 24524

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

Open the document Download JSONAdd to compare

Purchase APR

3.99%–18%

great to poor

Balance transfer

12.50% introductory · reported median duration 6 mo

no ongoing rate filed

Cash advance APR

12.50%–18%

variable

Annual fee

p.1none

Foreign fee

of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 6 months	3.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 15.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	3.99%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	12.50%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 13%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 15.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	12.50%–18% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0TINKER · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None.”TINKER · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	2.50% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	2.50% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$22Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Return Check Fee	$20, Return one-party check feeConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

1.1.26 Visa Platinum Disclosurepage 1 of 5

VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION - VISA PLATINUM

TINKERFEDERALCREDITUNION-VISA PLATINUM Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases · 3.99% introductory rate on purchases for 6 months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening. * Rate 1 – 12.50% Rate 2 – 13.50% Rate 3 – 14.50% Rate 4 – 16.50% Rate 5 – 18.00% APRfor Balance Transfers · 3.99% introductory rate on balance transfers for 6 months from date of account opening; thereafter, the APR is set by your credit rating at the time of account opening. Rate 1 – 12.50% Rate 2 – 13.50% Rate 3 – 14.50% Rate 4 – 16.50% Rate 5 – 18.00% Balance transfer APR: The current program APRwhich will be set by your credit rating at the time of account opening. * The APR will vary with the market based on the Prime Rate. APR for Cash Advances · Rate 1 – 12.50% Rate 2 – 13.50% Rate 3 – 14.50% Rate 4 – 16.50% Rate 5 – 18.00% Cash advance APR: The current program APRwhich will be set by your credit rating at the time of account opening. * The APR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. Wewill 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. 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 Set-Up and Maintenance Fees ● Annual Fee · None. Transaction Fees ● Balance Transfer ● Cash Advance • Foreign Transaction · 2.5% 2.5% 1 % of each transaction in U.S. dollars. Penalty Fees ● Late Payment ● Returned Check Fee · Up to $22 -If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22 which will be reflected on the following monthly statement. Up to $20 - the Credit Union may charge a return check fee for each one-party return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account. Other Fees ● Statement Copy ● Ticket Copy · $2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s). The Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see “YOUR BILLING RIGHTS”), a fee will not be imposed. $25 - Travel and Entertainment documents $6 - Original sales slip $5 - Photocopy of sales slip

How We Will Calculate Your Balance : We use a method called 'Average Daily Balance (including new purchases).' See the INTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details. Billing Rights : Information on your rights to dispute transactions and how to exercise those rights, is included in this cardholder agreement under the YOUR BILLING RIGHTS section. *The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624). Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. Other Terms: IMPORTANT NOTICE TO CURRENT TFCU VISA SIGNATURE CARD ACCOUNT HOLDERS If you currently have a Visa Signature credit card issued by TFCU and you decide to apply to instead use the Visa Platinum credit card to be issued by TFCU, you will lose any cash-back rebates you may have if you close your current account before the rebates are used . Lower credit limits may be set on the new account, and you will not be permitted to transfer balances if you choose to keep your current card and also apply for the new account, and your credit score may be affected.

1 2 3 4 5Page 1 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.

TINKER
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None.”
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:tinker-federal-credit-union:visa-platinum
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Tinker Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24524
Branches: 34 in OK, TX
Sources: Government dataset · 2 documents · 1 page cited

Documents

1.1.26 Visa Platinum Disclosureeffective date not parsed
1.1.26 Visa Sig Disclosureeffective date not parsedName declaration: Visa Platinum · page 7

Visa PlatinumTinker Credit Union · federal credit union, OK · NCUA 24524

Rates and fees