Credit Card Rates

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 Accurate as of: January 01, 2017

 Modern Woodmen Bank Platinum VISA
Annual percentage rate (APR) for purchases, cash advances, and balance transfers 9.74%*
Other APRs Penalty APR: 21.00%
Variable-rate information Your APR may vary. The rate for purchases, cash advances and balance transfers is determined by adding 5.99% to the Prime Rate (See explanation below**)
Grace period for repayment of balances for purchases ***25 days from date of billing period
Method of computing the balance for purchases Average daily balance including new purchases.
Annual Fee None
Minimum Finance Charge $0.50
Transaction Fee for Purchase None
Transaction Fee for Cash Advance None
Transaction Fee for Balance Transfer $25
Late Payment Fee $25

Other Fees

  • Returned Payment fee (payments and letter checks) for all plans is $25. 
  • Lost Card Replacement fee for all plans is $25. 
  • Priority Card Issuing Fee for all plans is $25. 
  • Customer request for card pick up fee for all plans is $65. 

The information about the cost of the card described in the application disclosure is accurate as of January 01, 2017. The information may have changed after that date. To find out what may have changed, call us 877-255-BANK. 

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*We reserve the right to raise your ANNUAL PERCENTAGE RATE to 21.00% if you fail to make the minimum payment required for 3 billing cycles in a row. The penalty rate will become effective with your next billing period. Your ANNUAL PERCENTAGE RATE will remain at 21.00% until the account is paid to current and 6 consecutive minimum payments have been made on time. 

**The Prime Rate used to determine your ANNUAL PERCENTAGE RATE is the highest Prime Rate that is published in the “Money Rates” section of The Wall Street Journal that is effective on the 15th day of each month prior to the beginning of each calendar quarter. This ANNUAL PERCENTAGE RATE will be effective with each billing cycle after the first day of each calendar quarter. 

***Provided you have paid your previous balance in the full by the due date.