Rates | VISA Credit Cards

VISA Platinum - Earn rewards for every dollar charged


Interest Rate and Interest Charges  

ANNUAL PERCENTAGE RATE (APR) for Purchases

9.99-12.99%*

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

APR for Balance Transfers


9.99-12.99%*
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


9.99-12.99%*
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

17.99%*.This APR may be applied to your account if at any time your account is 60 days or more past due.

How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.

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.

Minimum Interest Charge

None

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

Cash Advance Fee
Foreign Transaction

 

3% of cash advance amount
1.0% of each multiple currency transaction in U.S. dollars
0.8% of each single currency transaction in U.S. dollars

Penalty Fees

Late Payment
Over-the-Credit-Limit
Returned Payment

up to $35 (if payment is 15 days late)
$15***
up to $35


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VISA Classic


Interest Rate and Interest Charges  

ANNUAL PERCENTAGE RATE (APR) for Purchases

11.99-16.99%**

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

APR for Balance Transfers


11.99-16.99%**
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


11.99-16.99%**
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

17.99%**.This APR may be applied to your account if at any time your account is 60 days or more past due.

How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.

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.

Minimum Interest Charge

None

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

Cash Advance Fee
Foreign Transaction

 

3% of cash advance amount
1.0% of each multiple currency transaction in U.S. dollars
0.8% of each single currency transaction in U.S. dollars

Penalty Fees

Late Payment
Over-the-Credit-Limit
Returned Payment

up to $35 (if payment is 15 days late)
$15***
up to $35



Visa Classic Secured


Interest Rate and Interest Charges  

ANNUAL PERCENTAGE RATE (APR) for Purchases

9.99-16.99%**

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

APR for Balance Transfers


9.99-16.99%**
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


9.99-16.99%**
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

17.99%**.This APR may be applied to your account if at any time your account is 60 days or more past due.

How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.

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.

Minimum Interest Charge

None

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

Cash Advance Fee
Foreign Transaction

 

3% of cash advance amount
1.0% of each multiple currency transaction in U.S. dollars
0.8% of each single currency transaction in U.S. dollars

Penalty Fees

Late Payment
Over-the-Credit-Limit
Returned Payment

up to $35 (if payment is 15 days late)
$15***
up to $35



Student VISA


Interest Rate and Interest Charges  

ANNUAL PERCENTAGE RATE (APR) for Purchases

12.99%*

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

APR for Balance Transfers


12.99%*
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


12.99%*
when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

17.99%*.This APR may be applied to your account if at any time your account is 60 days or more past due.

How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.

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.

Minimum Interest Charge

None

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

Cash Advance Fee
Foreign Transaction

 

3% of cash advance amount
1.0% of each multiple currency transaction in U.S. dollars
0.8% of each single currency transaction in U.S. dollars

Penalty Fees

Late Payment
Over-the-Credit-Limit
Returned Payment

up to $25 (if payment is 15 days late)
$15***
up to $25

How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Information printed is accurate as of June 2010. For an update on information call the VISA Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our VISA Department at PO Box 105205, Atlanta, GA 30348.

*Your variable APR may be adjusted annually each February and will be determined by adding a margin as low as 6.74% to the Prime Rate published in The Wall Street Journal five business days preceding February 1st each year. Your rate will not be more than 18.00%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may may differ based on your creditworthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined.

**Your Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 6.74% and 13.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 18.00%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications.

***If a purchase or cash advance will put your credit card balance over the approved credit limit, the transaction will be declined. You may contact the Credit Union for information on opting in for this service.

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