VISA Application Disclosure
| Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers |
Visa Platinum Visa Secured Student Visa |
|
|---|---|---|
| APR for Balance Transfers |
Visa Platinum Visa Secured |
|
| APR for Cash Advancess |
Visa Platinum Visa Secured |
|
| Penalty APR and When it Applies |
Visa Platinum Visa Secured Student Visa |
|
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. | |
| Minimum Interest Charge | None | |
| 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 at https://www.consumerfinance.gov/learnmore. | |
| Transaction Fees - Cash Advance Fee - Visa Platinum, Visa Secured - Foreign Transaction Fee |
$5.00 or 2% of the amount of each cash advance, whichever is greater (Maximum Fee: $100.00) |
|---|---|
| Penalty Fees - Late Payment - Over-the-Credit Limit Fee - Returned Payment Fee |
Up to $35.00 Up to $35.00 Up to $35.00 |
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases, but including new balance transfers and cash advances) ."
Effective Date:
The information about the costs of the card described in this application is accurate as of: February 6, 2025.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum, Visa Secured and Student Visa 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.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of cred card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee is $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. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Secured: $5.00 or 2% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $100.00.
Over-the-Credit Limit Fee: $25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. In the event you exceed your credit limit in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee: $10.00
Rush Fee: $25.00
Statement Copy Fee: $25.00