Visa Credit Cards
Looking for a low-rate credit card with excellent benefits? We have one of the best selections around with rates that beat major banks and credit unions.
Our Visa Cards have amazing low rates and benefits that put them in a class of their own. Whatever your credit need, we have a card to match it! Choose from our Platinum, Gold, Classic or Credit Builder and get the best of all worlds. Need help selecting the right one? No problem! One of our friendly Member Representatives will be glad to help you decide.
We offer a variety of Visa Credit Cards with low interest rates and no annual fees!
- Platinum – Up to $20,000
- Gold – Up to $10,000
- Classic – Up to $6,000
- Credit Builder – Up to $500
Reward Yourself!
Get up to $150 when you open a new card or transfer a balance!
VISA Credit Card as low as 7.90% APR*
Get $50 when you're approved for a new VISA credit card!**
PLUS!
Get $100 when you transfer or make purchases of at least $2,500 in the first 90 days!***
*APR=Annual Percentage Rate. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score and other factors. Your rate will be disclosed prior to funding. Rates are subject to change. **$50 will be issued as a statement credit after the first billing cycle. New cardholders only. ***$100 will be issued as a statement credit after 90 days when the member has performed one of the following: transferred a balance of at least $2,500 or made $2,500 worth of transactions. Account must not be delinquent at the time of posting of credit. See credit union for full terms and conditions. Offer expires July 31, 2018.
Important Disclosure Information
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases | VISA Classic 10.92%, 12.00%, or 14.00% when you open your account, based on your creditworthiness VISA Gold 9.90% VISA Platinum 7.90% |
| APR for Balance Transfers | VISA Classic 13.92%, 14.00%, or 15.00% when you open your account, based on your creditworthiness VISA Gold 9.90% VISA Platinum 7.90% |
| APR for Cash Advances | VISA Classic 13.92%, 14.00%, or 15.00% when you open your account, based on your creditworthiness VISA Gold 9.90% VISA Platinum 7.90% |
| 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 |
Transaction Fees
- Foreign Transaction Fee |
1.00% of each transaction in U.S. Dollars |
Penalty Fees
- Late Payment Fee - Returning Payment Fee |
Up to $20.00
Up to $20.00 |
| 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 | $20.00 ior the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | $2.00 |
| Rush Fee | $50.00 |
| Emergency Card Replacement Fee | $150,00 |
| Card Replacement Fee | $20.00 |
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 October 1, 2015.
This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
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