Lines of Credit and Credit Card Rates

Rates effective

ProductMaximum TermAPR* As Low AsRate Structure
Lines of Credit
Quickdraw Personal Line of Credit Monthly payments based on 1.75% of outstanding balance 11.45% Variable1
Credit Cards
Visa Platinum Credit Card Monthly payments based on 2.00% of outstanding balance 8.90% Non-Variable
Secured Visa Platinum Credit Card Monthly payments based on 2.00% of outstanding balance 8.90% Non-Variable

 

Visa Disclosures

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases 8.90% to 18.00%
when you open your account, based on your creditworthiness.
APR for Balance Transfers 8.90% to 18.00%
when you open your account, based on your creditworthiness.
APR for Cash Advances 7.90% to 18.00%
when you open your account, based on your creditworthiness.
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 any 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 $1.00.
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
Transaction Fees
• Foreign Transaction

None
Penalty Fees
• Late Payment
• Over-the-Credit-Limit 
• Returned Payment


Up to $10*
None
$5**

Other Fees
• Returned Convenience Check
• Document Copy
• Card Replacement

$18**
$1
$10

*$10.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. **$18.00 or the amount of the required minimum payment, whichever is less.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Effective Date: The information about the costs of the card described in this application is accurate as of November 1, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

 

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*APR=Annual Percentage Rate. Rates subject to change without notice. All Credit Union loan rates and terms are based on an evaluation of applicant credit. Your actual rate may vary.

1Variable rate as priced semi-annually using Wall Street Journal published rate plus a margin determined by applicant credit score. 

Home Equity
Line of Credit Rate as low as

4.25

%
APR*
New & Used Vehicle
Rates as low as

1.99

%
APR*
Fixed Rate Platinum Visa
Cards as low as

8.90

%
APR*
Personal Loans 
as low as

11.00

%
APR*
New RV Financing
as low as

4.74

%
APR*
Check out all our great rates