VISA® Credit Card Rates 


Service Rate/Charge
Annual Percentage Rate (APR) for Purchases 7.99% or 12.50% when you open your account, based on your creditworthiness.
APR for Cash Advances 7.99% or 12.50% when you open your account, based on your creditworthiness.
APR for Balance Transfers 7.99% or 12.50% when you open your account, based on your creditworthiness.
Minimum Interest Charge None
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 Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau.

Fees

Service Fee
Annual Fee None
Foreign Transaction Fee None
Late Payment Fee Up to $20.00
Returned Payment Fee Up to $20.00

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 December 1, 2012. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other Disclosures

Late Payment Fee - $20.00 or the amount of the required minimum payment, whichever if less, if you are 30 or more days late in making a payment.

Returned Payment Fee - $20.00 or the amount of the required minimum payment, whichever if less.