Credit Cards

*This 0% introductory APR offer is for the Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards.
The 0% introductory APR is for 15 months (billing cycles) on purchases and qualified balance transfers. After that, the variable APR will be 10.99% -17.99% APR. The variable APR will vary based on the Prime Rate.

Balance transfers must be submitted within the first 90 calendar days from account opening to qualify for the 0% introductory APR offer. 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR.
There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR.

¹APR = Annual Percentage Rate. Membership eligibility applies. Subject to credit approval. Your APR is based on your creditworthiness and not all applicants will qualify for the lowest rate. The APR will vary with the market based on the Prime Rate reported within the Wall Street Journal on the first business day of each month.

Variable APRs Based on Prime: For our variable rate cards, your Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual Percentage Rate to increase. If the Prime Rate decreases, it will cause the Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may increase if the Prime Rate rises and will decrease if the Prime Rate falls. For example, a change in the Prime Rate of one percentage point will result in a one percentage point change in the same direction in your Annual Percentage Rate with a corresponding change in your daily periodic rate. For each billing period, we use the Prime Rate published in The Wall Street Journal on the first business day of each month. If the Prime Rate causes an Annual Percentage Rate to change, we put the new Annual Percentage Rate into effect as of the first day of the billing period following the month in which the Prime Rate changed. We apply the new Annual Percentage Rate to any existing balance, subject to any promotional rates that may apply.

For Cash Back, Platinum Preferred Student/Starter, Platinum Preferred and Platinum Preferred Rewards VISA cards, the margin is determined based on an evaluation of each member’s credit history. The margins will range from 5.74% to 14.24% based on product type. For the Classroom Supply VISA, the margin is 0.00%. For the Share Secured and the Money Market Share Secured VISA cards, the margin is 1.00%.

²1.5% Cash Back awards earned for each one dollar ($1.00) spent of all new retail purchases less credits, returns and adjustments charged in a statement period. Cash Back awards will only be paid for credit card accounts in good standing and will be posted to the primary card member’s regular share account on the next business day following the end of the credit card statement period. 

³Credit approval required and you must use your new Visa card at least once to receive the 2,500 welcome and first card use bonus points.

⁴Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.

Revised Billing Error Notice

Zero Fraudulent Liability Policy