VISA Credit Cards
Whether you are carrying our Visa® Platinum or Visa Classic you are getting a fixed rate that can not be beat, as well as the security and peace of mind that Visa offers on their cards.
Visa Classic - (APPLY NOW)
- Minimum limit $1000.; maximum $5,000
- Fixed APR* at 12.50%
- Cash Advance and Balance Transfer Rate is 12.50% APR*
- Annual Fee $15
- Rewards Program available
Visa Platinum - (APPLY NOW)
- Minimum limit $5,000; maximum $15,000
- Fixed APR* at 9.9%
- Cash Advance and Balance Transfer Rate is 9.9% APR*
- No Annual Fee
- Rewards Program available
Secured Visa- Credit Builder - (APPLY NOW)
- Minimum limit $500.; maximum $2,500
- Fixed APR* at 12.50%
- Cash Advance and Balance Transfer Rate is 12.50% APR*
- Annual Fee $15
- Rewards Program available
- Visa limit is secured by funds in your membership
* APR = Annual Percentage Rate.
How we calculate your balance :
Apply the periodic rate to the average daily balance. To get the average daily balance we take the beginning balance each day, add any new transactions and subtract any unpaid interest or finance charges. We add up the daily balances for the billing cycle and divide each by the number of days in the billing cycle.
Apply the periodic rate to the average daily balance. To get the average daily balance we take the beginning balance each day, add any new transactions and subtract any unpaid interest or finance charges. We add up the daily balances for the billing cycle and divide each by the number of days in the billing cycle.
Interest and Finance Charge:
We will begin charging interest on purchases, cash advances and balance transfers on the date the transaction is posted to your account. However, we will not charge you any interest on new purchases if your account had a zero or credit balance at the beginning of the billing cycle.