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VISA CREDIT CARDS

It's the credit card you can afford to use. Accepted at the finest retail shops, airlines, car rentals, and hotels worldwide, our low interest Visa Credit Card offers the savings and features you want in a credit card. It's perfect for shopping, travel, and in case of emergency.

Some of the outstanding features of our Platinum Visa Credit Card are:

  • Low 8.99% A.P.R. (Annual Percentage Rate)
  • NO ANNUAL FEE
  • Cash Advances At Same Low Rate As Purchases
  • No Accelerating Increase In The APR For Late Payments
  • And More!

Some of the outstanding features of our Classic Visa Credit Card are:

  •  Low 11.50% A.P.R. (Annual Percentage Rate)
  •  NO ANNUAL FEE
  •  Cash Advances At Same Low Rate As Purchases
  •  No Accelerating Increase In The APR For Late Payments
  •  And More!

Some of the outstanding features of our Rewards Visa Credit Card are:

  • Earn 1% Cashback Credit for every dollar spent on point-of-sale purchases!
  • Low 12.99% A.P.R. (Annual Percentage Rate)
  • NO ANNUAL FEE
  • Cash Advances At Same Low Rate As Purchases
  • No Accelerating Increase In The APR For Late Payments
  • And More!

Transfer Your Other Credit Card Balances And Save

You may be able to transfer your high interest credit card balance(s) from another financial institution or credit card company to our lower-interest Visa. You could save money and reduce your monthly payment.

SUMMARY OF TERMS

Annual Percentage Rate for Purchases

 

Visa Platinum...   8.99% APR*

Visa Classic...    11.50% APR*

Visa Rewards... 12.99% APR*

Annual Percentage Rate for Cash Advances

Visa Platinum...   8.99% APR*

Visa Classic...    11.50% APR*

Visa Rewards... 12.99% APR*

 Annual Percentage Rate for Balance Transfers

 

Visa Platinum...   8.99% APR*

Visa Classic...    11.50% APR*

Visa Rewards... 12.99% APR*

Variable Rate Information

Does Not Apply

Grace Period for Repayment of Balance for Purchases

25 Days

Annual Fee

None

Transaction Fee for Purchases

None

Cash Advance Fee

None

Multiple Currency Foreign Transaction Fee

1%^

Single Currency Foreign Transaction Fee

0.8%^

Late Payment Fee

$25.00  or the amount of the required minimum payment, whichever is less, if you are twenty (20) or more days late in making a payment.

Over the Limit Fee

None

Minimum Finance Charge

None

Method of Computing the Balance for
Purchases (including new purchases)

Average Daily Balance

A Returned Payment Fee of $25.00 or the amount of the returned item, whichever is less, will be charged for any ACH transactions, share drafts or checks returned due to insufficient funds.

* The Annual Percentage Rate is based on certain credit-worthiness criteria.

^Of transaction amount.

Effective: June 1, 2017

Disclosures are accurate as of the print date and may be changed after that date.

To request a copy of the current credit card agreement, please contact a Member Support Specialist at (570) 421-5585 option 4.

Contact us for any changes in the above information.

To learn about more 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.

**APR = Annual Percentage Rate. The loan approval process is part of our Risked-Based Lending Program. Your rate will be determined by your credit history and debt-to income ratio. Contact the credit union for complete details.