Visa® Credit Card Rates

Rates and terms are accurate as of Sunday, November 01, 2009 and are subject to change.

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Loan Type Term/Details Rate Type APR as low as Apply Online
Platinum Rewards Or Cash Back No annual fee, with rewards or cash back option Variable 8.25% Apply Now
Classic No Annual Fee No annual fee, no cash back option Variable 10.5% Apply Now
Classic Low Rate $15.00 annual fee, no cash back option Variable 9.5% Apply Now
Classic Cash Back No annual fee, with cash back option Variable 12.15% Apply Now
  • For Visa Check Card rates please see Line of Credit
  • Visa Gold requires $5000 minimum limit
  • Visa Platinum requires $10,000 minimum limit
Annual percentage rates for purchases as low as Platinum Rewards Or Cash Back: 8.25%,  Classic No Annual Fee: 10.5%,  Classic Low Rate: 9.5%,  Classic Cash Back: 12.15%, 
Annual Fees Platinum Rewards Or Cash Back: None,  Classic No Annual Fee: None,  Classic Low Rate: $15.00,  Classic Cash Back: None, 
Transaction fee for purchases None
Due Date 30th of each month
Method of computing balance for purchases Average Daily Balance, including new purchases
Minimum Finance Charge None
Cash Advance Fee 1.5% of the amount of the advance
Late Payment Fee 5% of the monthly payment amount. No less than $25.
Over-the-credit-limit fee $20 per transaction
Variable rate information The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE will never be less than 6%. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.
Visa Cash Back Information An annual rebate will be given on your Visa Card purchases made throughout the calendar year decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in the calendar year according to the following breakdown: 1/4% on the portion of annual purchases $0 to $1,000, 1/2% on the portion of annual purchases $1,001 to $2,000, 3/4% on the portion of annual purchases $2,001 to $3,000, 1% on the portion OVER $3,000. The purchase rebate will be credited to your share savings account by the end of February for the previous year's purchases. The rebates will only be credited to the accounts of members in good standing.