Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	13.65%–17.90% variableTRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1 3.65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”TRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	13.65%–17.90% variableTRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”TRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	13.65%–17.90% variableTRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”TRUSTONE FINANCIAL · 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	$0TRUSTONE FINANCIAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”TRUSTONE FINANCIAL · 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

Visa Platinum Terms and Conditionspage 1 of 1

Important Terms and Conditions

Visa® Platinum Credit Card

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 1 3.65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate. APRs for Balance Transfers · 1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate. APRs for Cash Advances · 1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies · None Minimum Interest Charge · None How to Avoid Paying Interest on Purchases · 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. 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 · None None None Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment · Up to $25 ** None Up to $25

How We Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See cardholder agreement for complete details.

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

* Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as the first day of your next billing cycle. Current rate as of August 1 , 202 3 . See cardholder agreement for complete details.

**You may be required to pay a late payment fee of up to $25.00 if you do not pay at least the minimum payment by the payment due date on your statement. TruStone may also assess the late payment fee every month thereafter that you are past due.

1Page 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.

TRUSTONE FINANCIAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
TRUSTONE FINANCIAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1 3 .65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
TRUSTONE FINANCIAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“1 3.65 %- 17.90% APR* This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
TRUSTONE FINANCIAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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TRUSTONE FINANCIAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“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.”
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: Trustone Financial Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68722
Branches: 25 in MN, WI
Sources: Official issuer · 1 document · 1 page cited

Documents

Visa Platinum Terms and Conditionseffective date not parsed

Visa® Platinum Credit CardTrustone Financial Credit Union · state credit union, MN · NCUA 68722

Rates and fees