Credit Card Rates
  Platinum Prestige Classic Share Secured
Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, Cash Advances 9.9% APR 12.9% - 15.4% APR
Rate based on creditworthiness
13.9% - 17.9% APR
Rate based on creditworthiness
11% APR
Penalty Rate 18% APR
This APR will apply when the required minimum payment is not made by its due date for two consecutive billing cycles. Penalty rate will remain in effect until I have made six consecutive on-time payments.
18% APR
This APR will apply when the required minimum payment is not made by its due date for two consecutive billing cycles. Penalty rate will remain in effect until I have made six consecutive on-time payments.
18% APR
This APR will apply when the required minimum payment is not made by its due date for two consecutive billing cycles. Penalty rate will remain in effect until I have made six consecutive on-time payments.
18% APR
This APR will apply when the required minimum payment is not made by its due date for two consecutive billing cycles. Penalty rate will remain in effect until I have made six consecutive on-time payments.
Paying Interest Your due date is 25 days after the close of the billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. Your due date is 25 days after the close of the billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. Your due date is 25 days after the close of the billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. Your due date is 25 days after the close of the billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month.
Minimum Interest Charge None None None None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, click here. To learn more about factors to consider when applying for or using a credit card, click here. To learn more about factors to consider when applying for or using a credit card, click here. To learn more about factors to consider when applying for or using a credit card, click here.
Fees
Annual Fee $0 $35 Annually $0 $0
Transaction Fees: Balance Transfer Fees, Cash Advance Fees $0 $0 $0 $0
Penalty Fees:
Late Payment
Overlimit Fee
Returned Payment
 
$10
$0
$20
 
$10
$0
$20
 
$10
$0
$20
 
$10
$0
$20
Other Fees: Foreign Transactions 1% of each transaction in U.S. Dollars 1% of each transaction in U.S. Dollars 1% of each transaction in U.S. Dollars 1% of each transaction in U.S. Dollars
Shares to Secure Credit Card       Must secure 125% of credit line in a Cabrillo Share Account

How we calculate your balance: We use a method called “Average Daily Balance.” Information subject to change. Please contact the credit union at 800.222.7455 for current information.

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