Wave Credit UnionVisa PlatinumRegistry illustration · issuer artwork unavailable

Visa PlatinumWave Credit Union · federal credit union, RI · NCUA 24501

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

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Purchase APR

11.99%

p.2fixed

Balance transfer

—

Cash advance APR

11.99%

p.2fixed

Annual fee

a year

Foreign fee

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	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	11.99%WAVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“11.99% which is a daily periodic rate of 0.0328%”WAVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	11.99%WAVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“11.99% which is a daily periodic rate of 0.0328%”WAVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
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	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$20Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$20Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned payment Fee	$25, If a payment is returned unpaid, when it comes back the payment is reversed and the fee is charged.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Card replacement Fee	$20, If a cardholder requests more than one replacement, the first is free and subsequent cards may be charged the fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Emergency Card replacement Fee	$35, If a card must be rushed the fee may be charged.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Pay by Phone	$10, When the member pays by automated phone line the fee may be charged.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Statement Copy Fee	$5, If a member requests a duplicate statement the fee may be charged.Consumer 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
Opening conditions	Card applicant must already be a Wave Federal Credit Union member OR eligible for membership. Eligibility requires that they live, work, worship or attend school in Rhode Island or in Bristol County Massachusetts.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

CC ACCOUNT OPENING DISCLOSUREpage 2 of 2

Other Fees & Disclosures

Late Payment Fee:

$20.00 or the amount of the required minimum payment, whichever is less, if You are 7 or more days late in making a payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure

Returned Payment Feo:

$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.

Returned Convenience Check Fee:

None

Card Recovery Fee:

None.

Card Replacement Fee:

$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is issued to You for any reason.

Document Copy Fee:

$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a biiling error made by the Credit Union).

Emergency Card Replacement Fee:

$35.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for each emergency replacement Card that is issued to You

Pay-by-Phone Fee:

$10.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for each time You make a payment by telephone as disclosed on this Disclosure.

PiN Replacement Fee:

None.

Rush Fee:

$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, without paying a fee for delivery.

Statement Copy Fee:

$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of a sales draft or statement that You reguest

Unreturned Card Fee

None,

Collection Costs

You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable attornev's fees.

Periodic Rates

The Purchase APR is 11.99% which is a daily periodic rate of 0.0328%. The Purchase APR is 11.99% which is a daily periodic rate of 0.0328%.

The Cash Advance APR is 11.99% which is a daily periodic rate of 0.0328%. The Cash Advance APR is 11.99% which is a daily periodic rate of 0.0328%.

OANLINFR.

1 2Page 2 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.

WAVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“11.99% which is a daily periodic rate of 0.0328%”
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WAVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“11.99% which is a daily periodic rate of 0.0328%”
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:wave-federal-credit-union:visa-platinum
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-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
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other Fee Amount 4, Other Fee Explanation 4, Other Fee Name 4
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other Fee Amount 5, Other Fee Explanation 5, Other Fee Name 5
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wave-federal-credit-union:visa-platinum
Fields: Other, Requirements for Opening, Requirements for Opening Types
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

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

Offered through: Wave Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24501
Branches: 3 in RI
Sources: Government dataset · 2 documents · 1 page cited

Documents

CC ACCOUNT OPENING DISCLOSUREeffective date not parsed
VISA PLATINUM AGREEMENTeffective date not parsed

Visa PlatinumWave Credit Union · federal credit union, RI · NCUA 24501

Rates and fees