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HomeLoans & Credit CardsMastercard Credit Cards • Rates, Charges, and Fees

Rates, Charges and Fees

  Platinum Mastercard Platinum Cash Rewards Mastercard 
 

Platinum MasterCard

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Platinum Rewards MasterCards

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INTEREST RATES & INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

9.74% to 18.74% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate as published in the Wall Street Journal. 

13.74% to 21.74% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate as published in the Wall Street Journal.

 Other APRs

Balance transfer APR:
9.74% to 18.74% based on your creditworthiness when you opened your account.

Cash advance APR:
9.74% to 18.74% based on your
creditworthiness when you opened your account.

The APR may change periodically based on the Prime Rate, plus a margin, as published in the Wall Street Journal.

Balance transfer APR:
13.74% to 21.74% based on your creditworthiness when you opened your account.

Cash advance APR:
13.74% to 21.74% based on your
creditworthiness when you opened your account.

The APR may change periodically based on the Prime Rate, plus a margin, as published in the Wall Street Journal.

How to Avoid
paying Interest on Purchases

   Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on your 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.

Minimum Interest Charge

None

None

Credit 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

Annual Fee

None

None

 Transactions Fees:

 Balance Transfer

None

None

Cash Advance

None

None

Foreign Transaction

1.10% of each foreign transaction in U.S. dollars.

Penalty Fees:

Late Payment

$10 when payment is 10 days or more late.

Rejected
Convenience Check

$23

Returned Payment

Up to $20

 
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

Platinum Cash Rewards mastercard Rewards Terms and Conditions.

 

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We Heard You!
We are excited to provide WPCCU members with an all new Digital Banking Experience.
 

To take advantage of the new features, all members will need to complete the enrollment process and update their passwords. If you're new to Online Banking, it's easy to get started.
 

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Online Banking User

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Online Banking

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NEW Online Banking

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Having trouble logging In?

If this is your first time logging in, you’ll need to confirm your personal information including your WPCCU Member Number and email address. If you are an existing Online Banking user, your login username will remain the same. Follow the on-screen prompts to confirm your personal information to get started. To ensure the security of your accounts, please call us at (866) 903-7064 if you do not know your Member Number.

If you’ve logged into the new Online or Mobile Banking after June 26, 2018, the forgot password and forgot username tools can be used to recover your account information. If you still need assistance, please call us for assistance at (866) 903-7064 during business hours.

If you are having trouble with Bill Pay, please call (866) 903-7064.

 

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Sign up for Online Banking and Bill Pay. It's Free!

Thank you for your interest in our free Online Banking and Bill Pay services. To sign up, please call the Credit Union at 1-800-300-9728, or visit any branch, and a representative will assist you in setting up your Online Banking account.

Would you like to learn more about Online Banking? Click here to see the Online Baking demo.

If you’ve already enrolled in Online Banking but have forgotten your Online Banking ID or password, please call us at 1-800-300-9728.