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VISA RATES

AMONG THE LOWEST IN THE NATION

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Click here to view or download a copy of our Loan Rates PDF.

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Other Information

Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

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.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement