When you're choosing a credit card, be sure you talk to us! West Coast Federal offers Visa® credit cards with rates as low as 9% APR*, no annual fee, and worldwide acceptance. Now is the time to take advantage of security, flexibility, and convenience with a West Coast Federal Visa credit card.

Card Options

Annual Percentage Rate (APR) for Purchases

Visa Platinum

9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic

9.0%, 9.90%, 10.90%, 11.90%, or 12.90%
when you open your account, based on your creditworthiness.

Visa Secured

14.90%

APR for Cash Advances

Visa Platinum

9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic

9.0%, 9.90%, 10.90%, 11.90%, or 12.90%
when you open your account, based on your creditworthiness.

Visa Secured

14.90%

APR for Balance Transfers

Visa Platinum

9.0% or 9.90%
when you open your account, based on your creditworthiness.

Visa Classic

9.0%, 9.90%, 10.90%, 11.90%, or 12.90%
when you open your account, based on your creditworthiness.

Visa Secured

14.90%

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau online at www.consumerfinance.gov.

Fees & Disclosures

Fees

Balance Transfer Fee

$15.00 or 2.00% of the amount of each balance transfer, whichever is greater

Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Late Payment Fee

$20.00

Returned Payment Fee

$25.00

How We Will Calculate Your Balance

We use a method called "average daily balance (including new purchases)."

Effective Date

The information about the costs of the card described in this application is accurate as of April 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less.

Rush Fee

$17.00

Emergency Card Replacement Fee

$17.50

Research Fee

$25.00