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Visa Credit Card Interest Rates

Compare our Visa credit cards: no annual fee, no balance-transfer fees, and no foreign-transaction fees.

Credit Card Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Visa Signature Rewards
8.75 %

Visa Platinum Rewards
8.75 % to 12.75 %, based on creditworthiness

Visa Platinum Best Rate
7.75 % to 13.75 %, based on creditworthiness

APR for Balance Transfers

Visa Signature Rewards
8.75 %

Visa Platinum Rewards
8.75 % to 12.75 %, based on creditworthiness

Visa Platinum Best Rate
7.75 % to 13.75 %, based on creditworthiness

APR for Cash Advances

Visa Signature Rewards
8.75%

Visa Platinum Rewards
8.75% to 12.75%, based on creditworthiness

Visa Platinum Best Rate
7.75% to 13.75%, based on creditworthiness

How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay 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 website of the Consumer Financial Protection Bureau.
Fees
Annual Fee None

Transaction Fees

  • Balance Transfer Fees
  • Cash Advance Fees
  • Foreign Transaction Fees
  • Transaction Fee for Purchases

 

None
None
None
None

Penalty Fees

  • Late Payment Fee
  • Return Payment Fee

 

$10.00
up to $15.00

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 July 1, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.


Other Fees and Disclosures:

Late Payment Fee:
$10.00 or the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Returned Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less.

Minimum Payment Required: The minimum monthly payment will be 2.5% of your outstanding balance or $20.00, whichever is greater.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card Account Agreement.

We reserve the right to amend the Visa Credit Card Account Agreement as permitted by law. The above rates and fees are current as of October 18, 2018.

Fees and APR apply to new cards only. Learn more about our No-Annual Fee Credit Cards. Visit our online credit-card application.