Visa Credit Card Rates

Visa Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
Visa Plus
6.75%
This APR will vary with the market based on the Prime Rate.
Visa
11.75%
This APR will vary with the market based on the Prime Rate.
Visa Secured
11.75%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Visa Plus
6.75%
This APR will vary with the market based on the Prime Rate.
Visa
11.75%
This APR will vary with the market based on the Prime Rate.
Visa Secured
11.75%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Visa Plus
6.75%
This APR will vary with the market based on the Prime Rate.
Visa
11.75%
This APR will vary with the market based on the Prime Rate.
Visa Secured
11.75%
This APR will vary with the market based on the Prime Rate.
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 any interest on purchases if you pay your entire balance by the due date each month.
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
Set-up and Maintenance Fees
– Additional Card Fee
$25.00 (one-time fee)
Transaction Fees
– Foreign Transaction Fee
None
Penalty Fees
– Late Payment Fee
– Returned Payment Fee
Up to $20.00
Up to $10.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of March 1, 2017.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
Late Payment Fee $20.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment.
Returned Payment Fee $10.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $3.00
Document Copy Fee $3.00
Rush Fee $12.00
Emergency Card Replacement Fee $12.00
PIN Replacement Fee $12.00
Card Replacement Fee $12.00
Pay-by-Phone Fee $5.00