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VISA® Credit Cards

Credit Cards and Debt Management

We live in a new era of thinking, acting and spending more responsibly and let's face it there aren't as many zero percent credit card rates out there anymore and there's not as many places to transfer your balance to.  We welcome your balance transfers so you can go forward responsibly with our VISA.  Which one of our cards will most benefit you?

VISA Credit Cards Platinum Platinum Rewards Share Secured Student
Maximum credit Line

$20,000

 $20,000 $10,000 up to $300
No Annual Fee x x x x
Help to Build Credit     x x
Low, Fixed Rate (APR) intro Rate 6.90% 10.90% 7.75% 14.90%
Pay Bill Online or any office x x x x
ScoreCard Rewards or CashBack   x    
Free Balance Transfers x x x x
Open a New Loan of $5,000 or More and Receive 5,000 ScoreCard Reward Points   x    
Transfer $5,000 From an Existing Card and Receive 5,000 ScoreCard Reward Points   x    
Travel Accident Coverage
Just by using your card, you're covered!		 x x    
Identity Theft Reimbursement Insurance   x    
Travel Reservation Service   x    
Access to www.ezcardinfo.com to view transactions and statements x x x x
Verified by VISA online security protection x x x x

 
Are you ready to go forward responsibly with a VISA from us? Apply now!

 

Notice: VISA payment change

As of February 2010, the minimum payment amount on our VISA® credit cards will be 2% of the card’s current balance and no less than $25 ($50 for business cards). This is an increase from the previous minimum payment of 1% of the balance and no less than $20 ($10 for Platinum cards). 
The Credit CARD Act of 2009 is requiring lenders to provide credit card holders with information on the number of months it would take to pay off the debt if only the minimum payment is made. In preparing to comply with this legislation, we found that many of our members will have this debt for multiple decades and some will never pay it off by making the minimum monthly payment.
This has lead us to believe that our previous minimum payment terms were not acceptable, nor in good conscience towards helping our members to reduce debt. We are making this change in an effort to encourage responsible borrowing habits and the repayment of debt in a reasonable time period.  
We encourage you to prepare for the change in payment terms before February. You are welcome to call us at 1-888-835-5151 ext. 2 to discuss other financing options and the opportunity for debt counseling.  
 

Interest Rate and
Interest Charges

Platinum

Platinum Rewards

Platinum Share Secured

Annual Percentage Rate

APR for Purchases

APR for Balance Transfers

APR for Cash Advances

6.90%
introductory APR for one year

after that, your APR will be 9.59% to 17.90% based on your creditworthiness

10.90% fixed.

7.75% fixed.
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 balance by the due date each month.  We will begin to charge interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Federal Reserve Board

 To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://federalreserve.gov/creditcard

Fees

  
Transactions Fees
  • Foreign
  • Transaction Fee
1% of each transaction in U.S. dollars.

Penalty Fees

  • Late Payment
  • Return Payment
$25
$24

How We Will Calculate Your Balance: We will use a method called "average daily balance (inlcuding new purhcases)."  See your account agreement for more details
Billing Rights:  Information on your rights to dispute transactions and how to exercise those righs is provided in your account agreement.

 

To report at lost or stolen VISA, please call 1-800-299-9842 or contact the credit union at 1-888-835-5151 during regular business hours.

NCUA