Visa Rates

Among the Lowest in the Nation

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Click here to view or download a copy of our Loan Rates PDF.

Product Details APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. The Platinum Low Rate option is not available on Business Accounts. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Saturday, April 1, 2017 and are subject to change.
platinum low rate Low Rate Platinum Card 7.49% Variable
platinum rewards Rewards Platinum Card 9.24% Variable
classic standard rate Low Rate Classic Card 10.99% Variable
classic rewards Rewards Classic Card 13.24% Variable
platinum 1.5% cash back Unlimited 1.5% Cash Back Platinum Card 13.49% Variable
classic flat 1% cash back 1% Cash Back Classic Card 13.49% Variable

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers 7.49% - 17.99% Visa platinum low rate
9.24% - 18.00% Visa platinum rewards
10.99% - 18.00% Visa classic standard rate
13.24% - 18.00% Visa classic rewards
13.49% - 18.00% Visa platinum 1.5% cash back
13.49% - 18.00% Visa classic flat 1% cash back

When you open your account, the applicable APR is based on creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
Balance Calculation Method We use a method called "average daily balance" (including new purchases).
Minimum Finance Charge None
Fees
Annual Fee None
Cash Advance Fee 1.5% of amount of advance
Late Payment Fee Up to $35
Return Item Fee $10
Foreign Transaction Fee Up to 1% of the US dollar amount of the foreign transaction.
Transaction Fee for Purchases None

Other Information

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 and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter 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 each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter 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 each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Tiered Rebate 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.

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.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement

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