Rates as low as 8.99% APR. APR = Annual Percentage Rate. APR accurate as of 12/30/2019 and may increase or decrease, based on certain creditworthiness and credit card chosen, not to exceed state law. 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. 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. See Credit Card Terms & Conditions for complete details. Excludes Business Credit Cards.