Credit Card Rates

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Platinum Mastercard® Credit Card Disclosure Summary

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

13.38% to 17.38%  APR 

This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers 2.88% Introductory APR for 365 days from account opening.1 
After that, 
13.38% to 17.38% APR.
Actual rate determined when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
 
Annual Percentage Rate (APR) for Cash Advances

13.38% to 17.38%  APR 

This APR will vary with the market based on the Prime Rate.

Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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

None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

  • None
  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 1.00% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. 0.80% Single Currency Conversion Rate adjustment fee, if there is no currency conversion

 

Penalty Fees

  • Late Payments
  • Returned Payment Fee

 

Up to $10.00 (if 10 or more days late)

Up to $20.00

Other Fees

  • Card Replacement
$5.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Platinum Choice Rewards Mastercard® Credit Card Disclosure Summary

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

1.98% Introductory APR for 365 days from account opening.2
After that, 14.38% to 18.00% APR

Actual rate determined when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

14.38% to 18.00% APR 

This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

14.38% to 18.00% APR 

This APR will vary with the market based on the Prime Rate.

Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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

None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 1.00% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. 0.80% Single Currency Conversion Rate adjustment fee, if there is no currency conversion

 

Penalty Fees

  • Late Payments
  • Returned Payment Fee

Up to $10.00 (if 10 or more days late)

Up to $20.00

Other Fees

  • Card Replacement
$5.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Platinum Secured Mastercard® Credit Card Disclosure Summary

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases and Balance Transfers 15.99% APR
Actual rate determined when you open your account, based on your creditworthiness. 
 
Annual Percentage Rate (APR) for Cash Advances 15.99% APR  
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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

$20.00

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 1.00% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. 0.80% Single Currency Conversion Rate adjustment fee, if there is no currency conversion

 

Penalty Fees

  • Late Payments
  • Returned Payment Fee

Up to $10.00 (if 10 or more days late)

Up to $20.00

Other Fees

  • Card Replacement
$5.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Platinum Student Mastercard® Credit Card Disclosure Summary3

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases and Balance Transfers 13.99% APR
Actual rate determined when you open your account, based on your creditworthiness. 
Annual Percentage Rate (APR) for Cash Advances 13.99% APR 
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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

None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 3.00% of Advance ($5.00 Minimum and No Maximum)
  • 1.00% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. 0.80% Single Currency Conversion Rate adjustment fee, if there is no currency conversion

 

Penalty Fees

  • Late Payments
  • Returned Payment Fee

Up to $10.00 (if 10 or more days late)

Up to $20.00

Other Fees

  • Card Replacement
$5.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

All information is accurate as of 03/16/2024 and is subject to change without notice. For current rates and terms, please contact California Coast Credit Union at (858) 495-1600 or (877) 495-1600. All loans subject to approval.

  1. Introductory rate on balance transfers valid for 365 days from account opening. 2.88% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Mastercard® accounts only. Introductory rate on balance transfers does not apply to Platinum Choice Rewards, Platinum Secured and Platinum Student Credit Cards.
  2. Introductory rate on purchases valid for 365 days from account opening. 1.98% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Choice Rewards Mastercard® accounts only. Introductory rate on purchases does not apply to Platinum, Platinum Secured and Platinum Student Credit Cards.
  3. Applicants under the age of 21 must provide proof of income.

Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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