Visa® credit card disclosures, rates and fees

Visaź credit card rates on purchases
Effective Date: Monday, April 23rd, 2018
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 8.00% 18.00% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 10.50% 15.50% Earn points with each purchase.
Teen Visa 8.00% 18.00% A co-signed, starter card for teens to learn responsible credit use.
Prepaid Visa cards N/A N/A Enjoy the convenience of a card with no worry of credit debt.

Additional Visa credit card rates
Effective Date: Monday, April 23rd, 2018
Credit cardAPR (Low)*APR (High)
APR for cash advances
Visa Value / Teen Visa 8.00% 18.00%
Visa Rewards 10.50% 15.50%
APR for balance transfers
Visa Value / Teen Visa 8.00% 18.00%
Visa Rewards 10.50% 15.50%

*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate.

Membership in this credit union is required to open a credit account.

Card fees based on Member Merits** category
Effective Date: Monday, April 23rd, 2018
Product feesEssentialEnhanced Premier
Visa Rewards annual fee*** $25.00 $15.00 $0.00
Visa Value / TLT (Teen) Visa annual fee $0.00 $0.00 $0.00
Plastic card replacement fee $5.00 $3.00 $0.00

Foreign transaction fee

  • Up to 1% of the US dollar amount of the foreign transaction

Prepaid Visa card fees

  • Reload - $3
  • Standard issue card - $6.95
  • Personalized card - $11.95

 

**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories.

***Annual fee will be due on your credit account anniversary date.

  • There is no application fee and no cash advance fee for any of our Visa cards
  • Late payment fee for all cards is $25 for all Member Merits categories
  • Transfer fee for all cards is $4 for all Member Merits categories
  • Please contact Oregon State Credit Union for any changes in card terms disclosed.

How we will calculate your balance

We use a method called “average daily balance” (including new purchases).

How to avoid paying interest

Your payment due date is approximately 30 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. We will begin charging interest on cash advances and balance transfers on the transaction date.

Credit card tips

Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or using a credit card at consumerfinance.gov/learnmore.

View the full Visa credit card agreement and disclosure.

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