12/6/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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Visa® credit card disclosures, rates and fees
Visa® credit card rates on purchases
Effective Date: Thursday, December 6th, 2018
Credit card	APR (Low)*	APR (High)	Perks Save on purchases
Visa® Value	8.75%	18.00%	and balance transfers. Get our lowest rates.
Visa Rewards	11.25%	16.25%	Earn points with each purchase.
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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12/6/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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OPEN AN ACCOUNT
Our difference Personal
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APPLY FOR A LOAN
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LOCATIONS
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Prepaid Visa cards N/A
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card with no worry
of credit debt.
Additional Visa credit card rates
Effective Date: Thursday, December 6th, 2018
Credit card	APR (Low)*	APR (High)
APR for cash advances
Visa Value / Teen Visa	8.75%	18.00%
Visa Rewards	11.25%	16.25%
APR for balance transfers
Visa Value / Teen Visa	8.75%	18.00%
Visa Rewards	11.25%	16.25%
*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.
Card fees based on Member Merits** category
Effective Date: Thursday, December 6th, 2018			
Product fees Visa Rewards	Essential	Enhanced	Premier
annual fee***	$25.00	$15.00	$0.00
Visa Value/TLT (Teen) Visa annual	$0.00	$0.00	$0.00
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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12/6/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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OPEN AN ACCOUNT
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LOCATIONS
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•	Upto 1% of the US dollar amount of the foreign transaction
Prepaid Visa card fees
•	Reload - $3
•	Standard issue card - $6.95
•	Personalized card - $11.95
**AII members qualify for the essential category. Learn more about Member Merits and howto 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
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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12/6/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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Helpful Links
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Benefits of membership Membership booklet Member Merits rewards program
Truth in Savings disclosure
The credit union difference
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Learn about the difference between a credit union and a bank
Video - Credit Union Day
In this video members explain why Oregon State Credit Union is the right choice and a good example of the credit union difference.
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https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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12/6/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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OPEN AN ACCOUNT

APPLY FOR A LOAN
LOCATIONS
SEARCH
Our difference Personal
Loans Business Investments and Insu
■	 -	-	-	-	-	 I	1-	-		 —	-				 0173 or email us. We will work with you to provide	1 11U 1 1 PO Box 306 Corvallis, OR
the information, item, or transaction you seek in a	97339
manner that we believe is accessible for you, as we	Phone: 800-732-0173
are able.	Routing number
#323274270
NMLS #472475
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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