VISA Card Rates and Application
| | Visa Classic | Visa Platinum | Visa Celebrity |
|---|
| Annual Percentage Rate for Purchases |
11.90% to 18.00% |
9.90% to 18.00% |
6.90% to 18.00% Fixed
|
| Other APRs Cash Advances and Balance Transfers |
11.90% to 18.00% |
9.90% to 18.00% |
6.90% to 18.00% |
| **Default Rate |
18% |
18% |
18% |
| Penalty APR and When It Applies |
This APR may be applied if you: 1) Make a payment that is 60 days late.
How Long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Annual Fee |
None |
Transaction Fees
- Balance Transfer
- Cash Advance
- Foreign Transaction Fee |
None
None
1.00% of each transaction in U.S. dollars |
Penalty Fees
- Late Payment Fee
- Returned Payment
- Over-the-Credit-Limit
- Document Copy Fee
- Emergency Card Replacement Fee
- Rush Fee
- Statement Copy Fee |
up to $15.00
up to $35.00
up to $10.00
$5.00
$45.00
$90.00
$5.00 |
| Other Fees |
None |
| Minimum Payment |
2.5% of outstanding balance or $25, whichever is greater |
| 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: September 09, 2021
This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
For California Borrowers, the Visa Classic is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Download the Interest Rates and Charges here.
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*Rate differential based on credit score. **Default rate effective if payment not received within 60 days of payment due date.
