Interest Rates & Charges

APR for Balance Transfers, Dirigo Platinum:

5.95% Introductory APR for qualifying members, 180 days from account opening, based on creditworthiness
9.95% to 18.00%, based on creditworthiness thereafter

APR for Cash Advances, Dirigo Platinum:

5.95% to 18.00%, based on 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 interest on
purchases if you pay your entire balance by the due date each month.

Credit Card Tips from the Consumer Financial Protection Bureau

To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website.

Fees

Set-up & Maintenance Fees
Annual Fee: None
Account Set-up Fee: None
Program Fee: None
Additional Card Fee: None
Application Fee: None
Transaction Fees
Balance Transfer Fee: None
Cash Advance Fee: None
Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars

Penalty Fees
Late Payment Fee: Up to $25
Returned Payment Fee: Up to $25

How We Calculate Your Balance
We use a method called “average daily balance (including new purchases).”

Fees Continued

Effective Date
The information about the costs of the card described in this application is accurate as of XXXXXXX XX, 2026. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

The Platinum Rewards Mastercard and Platinum Mastercard are secured credit cards. 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 and 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

Returned Payment Fee: $25 or the amount of the required minimum payment, whichever is less

Pay-by-Phone Fee: $3

MasterCard and the MasterCard Brand Mark are registered trademarks of Mastercard International Incorporated.