Credit Card Application - Winnebago Community Credit Union
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Routing #275981174
Online Banking

Credit Card Application

Complete Application

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90% to 18.90%
Based on your creditworthiness
APR for Balance Transfers 9.90% to 18.90%
Based on your creditworthiness
APR for Cash Advances 9.90% to 18.90%
Based on your creditworthiness
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 any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card 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
  • Annual Fee
None
Transaction Fees
  • Balance Transfer Fee
  • Cash Advance Fee
  • Foreign Transaction Fee

None
$5.00
1% of each transaction in US dollars
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit Fee
  • Returned Payment

Up to $25.00
None
Up to $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: September 01, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Cash Advance Fee (Finance Charge):
$5.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

  • Check the line below to indicate the type of credit for which you are applying. *Married applicants may apply for a separate account.

Applicant

  • Alimony, spousal support, child support or separate maintenance income need not be revealed, if you do not wish to have it considered for repaying this obligation. if included in income indicate type of support:

Co-Applicant

  • Alimony, spousal support, child support or separate maintenance income need not be revealed, if you do not wish to have it considered for repaying this obligation. if included in income indicate type of support:

Automatic Payments

Agreement To Terms

Wisconsin Marital Property Law - No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statementor decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

WISCONSIN RESIDENTS ONLY

The undersigned certify everything stated in this application is correct to the best of your knowledge. If important changes ocurr you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in processing this application for credit and for updates, increase, renewal, extension, or collection of the credit received. You understand the Credit Union uses information in this application and your credit report to make its decision. If requested, the Credit Union will provide the name and address of any credit bureau it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information on this application

Undersigned also understand the use of your card constitutes receipt and agreement to the terms of the credit card agreement and disclosures. You grant us a security interest in all individual and joint share and/or deposit accounts (including Individual Retirement Accounts if applicable) you have with Winnebago Community CU and in the future to secure your credit card account. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. You also recognize, based on credit worthiness and ability repay, the Credit Union may increase your limit in the future and you agree to repay obligations based on increased credit line.

You also affirmatively agree that granting a security interest is a condition for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods where you are a covered borrower under the Military Lending Act.