Rates as low as 10.99% APR. APR = Annual Percentage Rate. APR accurate as of 11/01/2019 and may increase or decrease, based on certain creditworthiness, not to exceed state law. Rewards program subject to change. Yearly cash back payout for Platinum Rewards Credit Card is for net purchases and is in the form of a credit applied to your Share Account. Cash Back rewards will not accumulate on any fees, balance transfers, cash advances or interest charges. Cash advance fee is 2% or a $2.00 minimum, whichever is greater. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Credit Card Terms & Conditions for complete details. Excludes Business Credit Cards. Insured by NCUA.