9/17/2018
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: Monday, September 17th, 2018
Credit card	APR (Low)*	APR (High)	Perks Save on purchases and balance
Visa® Value	8.50%	18.00%	
			transfers. Get our lowest rates. Earn points with
Visa Rewards			
	11.00%	16.00%	
			each purchase.
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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9/17/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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777	LU! jvcj jjcj ilc ui a
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of credit debt.
Additional Visa credit card rates
Effective Date: Monday, September 17th, 2018
Credit card	APR (Low)*	APR (High)
APR for cash advances
Visa Value / Teen Visa	8.50%	18.00%
Visa Rewards	11.00%	16.00%
APR for balance transfers
Visa Value / Teen Visa	8.50%	18.00%
Visa Rewards	11.00%	16.00%
*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: Monday, September 17th, 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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9/17/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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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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9/17/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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Helpful Links
Become a member
Benefits of membership Membership booklet Member Merits rewards
program
Truth in Savings disclosure
The credit union difference
Privacy policy
Locate a branch or ATM
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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9/17/2018
Visa credit card disclosures, rates and fees - Oregon State Credit Union
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-	 	 r ! — 	 — — — ■ 0173 or email us. We will work with you to provide the information, item, or transaction you seek in a manner that we believe is accessible for you, as we are able.	urnui t PO Box 306 Corvallis, OR 97339 Phone: 800-732-0173 Routing number #323274270
NMLS #472475
https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures
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