man holding visa card

Visa® Credit Card Details

Annual Percentage Rate (APR) for purchases.*   7.90% - 16.90%

when you open your account, based on your creditworthiness.

APR for Cash Advances   7.90% - 16.90%

when you open your account, based on your creditworthiness.

APR for Balance Transfers   7.90% - 16.90%

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.

FEES

Transaction Fees

Cash Advance Fee

 

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1.00% of the amount of each cash advance

Foreign Transaction Fee   1.00% of each transaction in U.S. dollars

Penalty Fees

Late Payment Fee

 

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$15.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Returned Payment Fee   $25.00 or the amount of the required minimum payment- whichever is less.
Statement Copy Fee   $2.00.
Document Copy Fee   $15.00
Rush Fee   $10.00 plus shipping and handling.
PIN Replacement Fee   $10.00
Card Replacement Fee   $5.00
Shipping to an Alternate Address Fee   $10.00 plus shipping and handling

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 is accurate as of October 1, 2014. This information may have changed after that date. To find out what may have changed, contact the Credit Union.