Washington State Employees Credit Union
P.O. Box WSECU Olympia, WA 98507 (800) 562-0999
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of ___________________. You can contact us toll free at (800) 562-0999 or P.O. Box WSECU, Olympia, WA 98507 to inquire if any changes occurred since the effective date. December 18, 2025
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases & Cash Advances · WSECU PLATINUM · WSECU CASH BACK · WSECU LOW RATE · WSECUCREATE***
depending on your credit history. This APR will vary with the market based on the Prime Rate*. _______% - _______% 14.25 25.75 · _______% - _______% depending on your credit history. This APR will vary with the market based on the Prime Rate*. 16.25 27.75 · _______% - _______% depending on your credit history. This APR will vary with the market based on the Prime Rate*. 12.25 21.25 · _______% ThisAPR will vary with the market based on the Prime Rate*. 18.75
APR for Balance Transfers** · 0% IntroductoryAPR on balance transfers for 6 months if the transfer is made within 60 days of account opening. After that, your StandardAPR will be ______% - ______% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate*. 14.25 25.75 · ______% - ______% depending on your credit history. This APR will vary with the market based on the Prime Rate*. 16.25 27.75 · 0% Introductory APR on balance transfers for 6 months if the transfer is made within 60 days of account opening. After that, your Standard APR will be ______% - ______% depending on your credit history. This APR will vary with the market based on the Prime Rate*. 12.25 21.25 · ______% ThisAPR will vary with the market based on the Prime Rate*. 18.75
Paying Interest · Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase or balance transfer balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge · None
For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn 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:
Fees to Open or Maintain your Account • Annual Fee: • Application Fee: · None None
Transaction Fees • Balance Transfer: • Cash Advance: • Foreign Transaction: · None 2% of the amount advanced up to $25.00 None
Penalty Fees • Over-the-Credit Limit: • Returned Payment: • Late Payment: · None None Applies to WSECU Create only: First time payment is late: $10.00 or your minimum payment required, whichever is less. Second time payment is late: $20.00 or your minimum payment required, whichever is less. All subsequent late payments: $25.00 or your minimum payment required, whichever is less. Applies to all other cards: $25.00 or your minimum payment required, whichever is less. Balances of $25.00 or less must be paid in full.
