Visa® Credit Card Rates

Interest Rates and Interest Charges
  Platinum Visa
Credit Card2,3
Platinum Rebate Visa Credit Card2,3,4 Platinum Rewards Visa Credit Card2,3,7

Annual Percentage Rate (APR1) for Purchases. This APR will vary with the market based on the Prime Rate.


7.99% - 12.9% 5,6


12.9% - 13.9% 5,6


8.99% - 13.9% 5,6

APR for Balance Transfers. This APR will vary with the market based on the Prime Rate.

1.99% introductory rate for six months.8 After that, your rate will be 7.99% - 12.9% 5,6 based on your credit worthiness.

1.99% introductory rate for six months.8 After that, your rate will be 12.9% - 13.9% 5,6 based on your credit worthiness.

1.99% introductory rate for six months.8 After that, your rate will be 8.99% - 13.9% 5,6 based on your credit worthiness.

APR for Cash Advances. This APR will vary with the market based on the Prime Rate.

7.99% - 12.9% 5,6

12.9% - 13.9% 5,6

8.99% - 13.9% 5,6

Penalty APR and When it Applies NONE
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.We will begin charging interest on cash advances and balance transfers on the transaction date.
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 http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee NONE
Balance Transfers
NONE
Cash Advances
Either $5 or 2.5% of the amount of each cash advance,
whichever is greater.
Foreign Transactions

1% of each international transaction requiring a currency conversion. .8% of each international transaction in U.S. Dollars.

Penalty Fees
Late Payment Up to $15.

1 APR=Annual Percentage Rate.
2 Rates, fees and terms may change. The terms of the account are not guaranteed and we reserve the right to change account terms, including APRs, at any time for any reason, in our sole and absolute discretion, in accordance with applicable law and the terms of the Visa Credit Card Agreement and Federal Truth-in-Lending Disclosure. See the Visa Credit Card Agreement and Federal Truth-in-Lending Disclosure for complete terms.
3 Actual rate will be based upon the member's creditworthiness and ability to repay.
4 Receive a 1% cash rebate on purchases (less returns) with a Platinum Rebate Visa Credit Card.
5 Products, services, rates and terms are accurate as of February 17, 2015. Call our Member Contact Center for the most recent information.
6 APR is determined on the first Tuesday of each month by adding a variable Index in effect on the first Tuesday of the prior month to a Margin. The Index is the Prime Rate published in the print edition of The Wall Street Journal on the first Tuesday of the month preceding the month in which the change takes effect. Variable APRs disclosed above are based on the 3.25% Prime Rate published on January 6, 2015.
7 Receive one point for every one U.S. dollar ($1) in eligible net purchases rounded to the nearest whole dollar. See the Program Rules for more details.
8 The introductory rate will apply to all balance transfers made between January 1, 2015, and March 31, 2015. The rate will be in effect for six (6) months from the date of the balance transfer.