VISA Credit Card Rates

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
VISA Classic

VISA Platinum
APR for Cash Advances
VISA Classic
VISA Platinum
APR for Balance Transfers
VISA Classic
VISA Platinum
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
Transaction Fees
Cash Advance Fee
Foreign Transaction Fee

$5.00 or 2.00% of the amount of each cash advance, whichever is greater.
1.00% of each multiple currency transactions in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee
Returned Payment Fee


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 May 1, 2014. This information may have changed after that date. To find out what may have changed, contact the Credit Union toll free at 877-884-0112.


Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment. In the even you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee $32.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $4.00
Rush Fee $30.00
Card Replacement Fee $15.00


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