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Visa Products
At FEDCom Credit Union we offer two different types of VISA card products. You can apply for our Platinum VISA or you can purchase a pre-paid VISA Gift Card at either of our locations.
For full account disclosures click here.
VISA Platinum Rates
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
8.99%, 9.90%, 13.80%, 16.99% or 18.99%
These are fixed rates. Annual Percentage Rate will be determined by the individual's credit score as reported by a credit reporting agency. |
| APR for Balance Transfers |
8.99%, 9.90%, 13.80%, 16.99%, 18.99%
These are fixed rates. Annual Percentage Rate will be determined by the individual's credit score as reported by a credit reporting agency. |
| APR for Cash Advances |
8.99%, 9.90%, 13.80%, 16.99%, 18.99%
These are fixed rates. Annual Percentage Rate will be determined by the individual's credit score as reported by a credit reporting agency. |
| Penalty APR and When it Applies |
None |
| How to Avoid Paying Interest on Purchases |
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. |
| Minimum Interest Charge |
If you are charged interest, the charge will be no less than $0. |
| 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://www.federalreserve.gov/creditcard. |
| Fees |
| Annual Fee |
None |
Transaction Fees |
Balance Transfer |
None |
Cash Advance |
None |
Foreign Transaction |
Up to 1.50% of each transaction in U.S. Dollars |
Penalty Fees |
| Late Payment |
Up to $20 |
| Over-the-Credit Limit |
None |
| Returned Payment |
Up to $25 |
How we Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Credit Card Agreement and Disclosures for more details.
Billing Rights: Information on your rights to dispute transaction and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.
*As low as 8.99% and as high as 18.99% based on FICO score obtained from a national credit reporting agency.
To obtain a copy of full account disclosures that are specific to your account, please contact our Loan Department at (888) 364-6928 or email them at loans@fedcomcu.com
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©FEDCom Credit Union
www.fedcomcu.com
Last Updated:
June 30, 2010
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