Skip navigation

Go Back Home

Visa Credit Cards

Interest Rates, Charges, and Fees
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers 10.15 - 18.75% when you open your account. After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
Penalty APR and When it Applies None
Paying Interest Your due date is at least 21 days after we mail your billing statement.  We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month.  We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge None
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 at www.consumerfinance.gov/learnmore
Fees  
Fees to Open or Maintain Your Account  

Annual Fee

Application Fee

None

None

Transaction Fees  

Balance Transfer

Cash Advance

Foreign Transaction

 

3% of the amount of each transfer (minimum $3.00)

3% of advance amount (minimum $3.00)

1% of each transaction in US dollars if the transaction involved a currency conversion
1% of each transaction in US dollars if the transaction does not involve a currency conversion

Penalty Fees

Late Payment

Over the Credit Limit

Returned Payment

 

$15 or 5% of the minimum payment amount, whichever is greater, if your payment is late 10 days or more.

None

$15 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "Average Daily Balance". The Credit Union figures the FINANCE CHARGE on your Account by applying the Periodic Rate to the "Average Daily Balance" of purchases and cash advances for your Account (including current transactions) and multiplying the result by the number of days in the billing cycle. To get the "Average Daily Balance" we take the beginning balance of your Account each day, add any new purchases, cash advances, cash advance fees, and subtract any payments or credits. This gives us the daily balance,. Since cash advance fees are considered FINANCE CHARGES, you may pay compounded interest on your account. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average Daily Balance." We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates are current as of December 28, 2017.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

    Routing Number: 325182506

    Dispute Fraudulent Charges by calling: 800.808.6402

    Lost/Stolen Card Support: 800.528.2273 (812.647.9794 - International Cardholders)

  • NCUA
  • NMLS

    407890
  • EHL
  • ESI