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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
  • 25-day Grace Period For Purchases
  • Cash Advances At Same Low Rate As Purchases
  • Automatic Payment On Card Balances Through Payroll Deduction
  • 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
  •  25-day Grace Period For Purchases
  •  Cash Advances At Same Low Rate As Purchases
  •  Automatic Payment On Card Balances Through Payroll Deduction
  •  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*

Other Annual Percentage Rates

Cash Advance APR*

VISA Platinum... 8.99%
VISA Classic..... 11.50%

Balance Transfer APR*
VISA Platinum... 8.99%
VISA Classic..... 11.50%

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: July 2010

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.

Visa Credit Card Telephone Access

Your Visa Credit Card has an 800 number at your fingertips. Find out information about your credit card such as account balances, payment due date, payment due amounts, etc. This service is provided by Visa for your convenience. Just call 1-800-433-0505 and the operator will walk you through the necessary steps. It's that easy!

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.