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Schumer Box for all VISA® Card Programs
Interest Rates and Interest Charges
APRs: for VISARewards Accounts
*Annual Percentage Rate (APR)
*When you open your acccount, based
11.80% to 17.80%
for Purchases, Cash Advances
on your credit worthiness.
& Balance Transfers
APRs: for VISA CLASSIC ACCOUNTS:
*Annual Percentage Rate (APR)
*When you open your account based on
10.80% to 17.80%
for Purchases, Cash Advances
your credit worthiness.
& Balance Transfers
APRS: for Secured VISA Accounts:
Annual Percentage Rate (APR)
13.80%
for Purchases, Cash Advances
& Balance Transfers
How to Avoid Paying
Your due date is at least 25 days after the close of each billilng cycle.
We will not charge you any interest on purchases if you pay your
Interest on Purchases
For Credit Card Tips from
the Consumer Financial
Protection Bureau
Fees
Annual Fee
Transaction Fees
● Balance Transfer
● Cash Advance
● Foreign Transaction
Penalty Fees
● Late Payment
entire balance by the due date each month.
To learn more about factors to consider when applying for or using a
credit carrd, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore
None
None
2% of the amount of each Cash Advance with a minimum of
$3.00, and up to a maximum of $25.00 per Cash Advance
1% of each transaction in foreign currency.
0.8% of each transaction in U.S. Dollars.
Up to $29.00 if the Minimum Payment Due is not paid within 10 days of
the Payment Due Date.
● Returned Payment
Up to $29 .00
How We Will Calculate Your Balance: We use a method called "Average Daily Balance
(Including Current Transactions)."
SECURED CREDIT CARD NOTICE: If you are issued a secured credit card, the Credit Union will take a
security interest in your funds on deposit with the Credit Union.
⁴ Read our Visa Credit Card Agreement and Disclosures
(Last Update: 02/24/16)