4/2/2020

Visa credit card disclosures, rates and fees - Oregon State Credit Union

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Business

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Education

Visa® credit card disclosures, rates and fees

Visa® credit card rates on purchases
Effective Date: Thursday, April 2nd, 2020

Credit card

APR (Low)*

APR (High)

Perks

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Visa® Value

6.75%

Visa credit card disclosures, rates and fees - Oregon State Credit Union

16.75%
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Save on purchases and
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balance transfers. Get our
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lowest rates.

Visa Rewards
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Personal

9.25%

Loans

Business

14.25%

Investments and Insurance

Teen Visa

6.75%

16.75%

Prepaid Visa cards

N/A

N/A

Earn points with each

purchase.
Online services

Education

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: Thursday, April 2nd, 2020

Credit card

APR (Low)*

APR (High)

APR for cash advances

Visa Value / Teen Visa

Visa Rewards

APR for balance transfers

6.75%

9.25%

Visa Value / Teen Visa

6.75%

16.75%

14.25%

16.75%

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Visa Rewards

Visa credit card disclosures, rates and fees - Oregon State Credit Union

9.25%

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14.25%
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Card fees based on Member Merits** category
Loans
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Effective Date: Thursday, April 2nd, 2020

Business

Personal

Investments and Insurance

Online services

Education

Product fees

Essential

Enhanced

Visa Rewards annual fee*** $25.00

Visa Value / TLT (Teen) Visa
annual fee

$0.00

$15.00

$0.00

Premier

$0.00

$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

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.

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

How we will calculate your balance

We use a method called “average daily balance” (including new purchases).

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How to avoid paying interest
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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

Investments and Insurance

Online services

Business

Personal

Loans

Education

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.

Video - ATM Safety

Helpful Links

Become a member

Benefits of membership
Membership booklet

Member Merits rewards program

Truth in Savings disclosure
The credit union difference

Privacy policy

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

Locate a branch or ATM

Watch this video to get details on
how to be safe when you use an
ATM.

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Personal

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Business

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Online services

Education

Branches  |  Contact us  |  Careers  |  Site Map

Accessibility assistance: If you have difficulty accessing or using any
portion or function of our online or mobile channels, please call us at 800-
732-0173 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.

    

Oregon State Credit Union
PO Box 306 Corvallis, OR 97339
Phone: 800-732-0173
Routing number #323274270
NMLS #472475

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