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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 $15,000
  • Gold – Up to $10,000
  • Classic – Up to $6,000
  • Credit Builder – Up to $500

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.

View our Rates Apply for a Loan Contact Us Become a Member

Personal Loan
as low as

6.00

%
APR*
24-Month Certificate
as high as

0.80

%
APY*
Auto Loans
as low as

2.90

%
APR*
Credit Cards
as low as

7.90

%
APR*
Checking Accounts
as high as

0.10

%
APY*
Check out all our great rates

(925) 228-4545

Shell Western States FCU
1700 Pacheco Blvd, Martinez, CA 94553

Routing & Transit Number: 321173218