9/8/2021

Visa credit card rates - Oregon State Credit Union

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Visa  credit card disclosures, rates and fees

®

Visa® credit card rates on purchases
Effective Date: Wednesday, September 8th, 2021

Credit card

APR (Low)*

APR (High)

Perks

®
Visa  Value

6.75%

16.75%

Visa Rewards

9.25%

14.25%

Teen Visa

6.75%

16.75%

Prepaid Visa cards

N/A

N/A

Save on purchases and

balance transfers. Get our

lowest rates.

Earn 1% cash back with each

purchase.

A co-signed, starter card for

teens to learn responsible

credit use.

Enjoy the convenience of a

card with no worry of credit

debt.

* APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit

account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the

prime rate. Membership in this credit union is required to open a credit account.

Additional Visa credit card rates
Effective Date: Wednesday, September 8th, 2021

Credit card

APR (Low)*

APR (High)

APR for cash advances

Visa Value / Teen Visa

Visa Rewards

APR for balance transfers

Visa Value / Teen Visa

Visa Rewards

6.75%

9.25%

6.75%

9.25%

16.75%

14.25%

16.75%

14.25%

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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9/8/2021

Visa credit card rates - Oregon State Credit Union

Card fees based on Member Merits** category
Effective Date: Wednesday, September 8th, 2021

Product fees

Essential

Enhanced

Visa Rewards annual fee***

$25.00

Visa Value / TLT (Teen) Visa

annual fee

$0.00

$15.00

$0.00

Foreign transaction fee — Up to 1% of the US dollar amount of the foreign transaction

Prepaid Visa card fees — Reload: $3. Standard card: $6.95. Personalized card: $11.95

Premier

$0.00

$0.00

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Plastic card replacement fee

$5.00

$5.00

$5.00

**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories.

***Annual fee will be due on your credit account anniversary date.

There is no application fee and no cash advance fee for any of our Visa cards

Late payment fee for all cards is $25 for all Member Merits categories

Transfer fee for all cards is $4 for all Member Merits categories

Please contact Oregon State Credit Union for any changes in card terms disclosed.

How we will calculate your balance

We use a method called “average daily balance” (including new purchases).

How to avoid paying interest

Your payment due date is approximately 30 days after the close of each billing cycle. We will not charge any interest on the portion

of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance

transfers on the transaction date.

Credit card tips

Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or

using a credit card at consumerfinance.gov/learnmore.

View the full Visa credit card agreement and disclosure.

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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