VISA Credit Card Rates

Last Updated (Monday, 25 January 2010 20:31)

VISA® Credit Card Rates

Tabular Disclosure

Card Type	VISA® Platinum
Annual Percentage Rate (APR) for Purchases*	8.90% - 9.90%
Cash Advance APR	8.90% - 9.90%
Cash Advance Fee	$5.00 or 3%
Balance Transfer APR	8.90% - 9.90%
Balance Transfer Fee	$5.00 or 3%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchses	Average Daily Balance (Including New Purchases)
Annual Fee	None
Minimum Finance Charge	$0.50
Transaction Fee for Purchases	None
Late Fee (15 Day Grace After Due Date)	$30.00
Return Payment Fee	$30.00
Over-the-Credit Limit Fee	$30.00**
Inactivity Fee (No Purchases for 1 Calendar Year)	$30.00

Card Type	VISA® Gold
Annual Percentage Rate (APR) for Purchases*	10.90% - 11.90%
Cash Advance APR	10.90% - 11.90%
Cash Advance Fee	$5.00 or 3%
Balance Transfer APR	10.90% - 11.90%
Balance Transfer Fee	$5.00 or 3%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchses	Average Daily Balance (Including New Purchases)
Annual Fee	$50.00
Minimum Finance Charge	$0.50
Transaction Fee for Purchases	None
Late Fee (15 Day Grace After Due Date)	$30.00
Return Payment Fee	$30.00
Over-the-Credit Limit Fee	$30.00**
Inactivity Fee (No Purchases for 1 Calendar Year)	$30.00

Card Type	VISA® Classic
Annual Percentage Rate (APR) for Purchases*	12.90% - 18.00%
Cash Advance APR	12.90%-18.00%
Cash Advance Fee	$5.00 or 3%
Balance Transfer APR	12.90%-18.00%
Balance Transfer Fee	$5.00 or 3%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchses	Average Daily Balance (Including New Purchases)
Annual Fee	None
Minimum Finance Charge	$0.50
Transaction Fee for Purchases	None
Late Fee (15 Day Grace After Due Date)	$30.00
Return Payment Fee	$30.00
Over-the-Credit Limit Fee	$30.00**
Inactivity Fee (No Purchases for 1 Calendar Year)	$30.00

*The Rate you Recieve will depend on your credit history.  Penalty rate of 18.00% if 30 days delinquent twice in a 6-month period.   
**This fee is applied when a balance is .01% or more over the limit for VISA only.

All rates are deemed reliable, but not guaranteed.  Please call the credit union with any questions you may have regarding rates.  Rates can change at any time.  Rates and terms are based on an individual's credit worthiness.  All rates are based on term.  All loans are subject to credit approval.