Important Disclosures

* Mastercard Platinum Variable Annual Percentage Rate (VAPR) & Cash advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last day of May and November of each year (“Index”) plus 3.99% to 10.99% Margin depending on credit worthiness. Rate Adjustments for Platinum and Secured Credit Cards on a Monthly Basis: Prime will be determined on the 15th of each month and the interest rate will adjust for the following month’s billing cycle. Example: Prime will be determined March 15 and the new rate will go into effect for the April billing cycle. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to your remaining principal balance. As of 05/01/2026, the current Daily Periodic Rate for our lowest rate will be 0.029425 (with the corresponding Annual Percentage Rate 10.74% to 17.74%). Our Credit Card Agreement has all the fine print details on the Mastercard Platinum Variable Rate & the Mastercard Secured Card account. Not all borrowers will qualify for the lowest rate.

Important Notice to our members concerning credit card surcharges:

Beginning January 27, 2013, Visa and Mastercard will allow merchants to pass along their payment processing costs to consumers who pay with a credit card. This would mean that a merchant who chooses to exercise this new right could impose a surcharge, sometimes referred to as a “checkout fee,” that could increase your credit card purchase amount by as much as 4% (maximum allowed).

Under the settlement:

The surcharge cannot exceed the amount that the merchant actually pays to accept credit cards—normally between 1.5% and 3% of the transaction amount. Surcharges can be imposed on credit card transactions only, not on purchases made with debit cards or prepaid cards.

Merchants must disclose the credit card surcharge clearly—at the store entrance and the point of sale or on the homepage if the merchant does business on the Internet. The disclosure must include the amount of the surcharge, the fact that the fee is being charged by the merchant, and that the fee does not exceed the merchant’s cost to accept credit cards. The dollar amount of the surcharge must appear on the transaction receipt. Merchants are not allowed to impose a credit card surcharge in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma or Texas, where such fees are prohibited under state law.

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