Visa
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
9.90%Visa Platinum
14.90%Visa Secured
12.50% to 18.00%Visa Classic
When you open your account, based on your creditworthiness.
|
| APR for Cash Advances |
14.90%Visa Platinum
18.00%Visa Secured
16.50% to 18.00%Visa Classic
When you open your account, based on your creditworthiness.
|
| APR for Balance Transfers |
9.90%Visa Platinum
14.90%Visa Secured
12.50% to 18.00%Visa Platinum
When you open your account, based on your creditworthiness.
|
| 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 Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
|
Annual Fee
- Annual Fee - Visa Platinum
- Annual Fee - Visa Secured
- Annual Fee - Visa Classic
|
- None
- $25.00 annually
- $10.00 annually
|
|
Transaction Fees
|
- 1.00% of each multiple currency transaction in U.S. dollars
- 0.80% of each single currency transaction in U.S. dollars
|
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
|
|
Other Disclosures
- Late Payment Fee
- Statement Copy Fee
- Document Copy Fee
- Emergency Card Replacement Fee
- PIN Replacement Fee
- Card Replacement Fee
- Emergency Advance on New VISA
- Research Fee
- Holiday Skip a Payment Fee
|
- $20.00 if you are seven (7) or more days late
- $3.00
- $6.00
- $25.00
- $3.00
- $5.00
- $30.00
- $25.00
- $15.00
|
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 on this page is accurate as of
April 7, 2010. This information may have changed after that date. To find out what may have changed,
contact the Credit Union.