Interest Rate & Interest Charges
|Visa Classic & Visa Secured||Visa Platinum|
|APR* for Purchases||12.75%||8.75%|
|APR* for Balance Transfers||12.75%||8.75%|
|APR* for Cash Advances||12.75%||8.75%|
*APR = Annual Percentage Rate. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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.
|Foreign Transaction Fee||1.00% of each transaction in U.S. dollars|
|Late Payment Fee||Up to $25.00|
|Over-the-Credit Limit Fee||None|
|Returned Payment Fee||Up to $25.00|
How We Will Calculate Your Balance
We use a method called "average daily balance (including new purchases)."
For California Borrowers, the Visa Classic and Visa Secured and Visa Platinum are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
|Late Payment Fee||$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.|
|Returned Payment Fee||$25.00 or the amount of the required minimum payment, whichever is less.|
|Card Replacement Fee||$10.00|
|Document Copy Fee||None|
|Statement Copy Fee||$5.00|