10/21/21, 3:30 PM                                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: Thursday, October 21st, 2021
      Credit card                APR (Low)*                 APR (High)                 Perks
                                                                                       Save on purchases and
         �
      Visa  Value                6.75%                      16.75%                     balance transfers. Get our
                                                                                       lowest rates.
                                                                                       Earn 1% cash back with each
      Visa Rewards               9.25%                      19.75%
                                                                                       purchase.
                                                                                       A co-signed, starter card for
      Teen Visa                  6.75%                      16.75%                     teens to learn responsible
                                                                                       credit use.
                                                                                       Enjoy the convenience of a
      Prepaid Visa cards         N/A                        N/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, October 21st, 2021
      Credit card                         APR (Low)*                          APR (High)
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    10/21/21, 3:30 PM                                Visa credit card rates - Oregon State Credit Union
      APR for cash advances
      Visa Value / Teen Visa              6.75%                               16.75%
      Visa Rewards                        9.25%                               19.75%
      APR for balance transfers
      Visa Value / Teen Visa              6.75%                               16.75%
      Visa Rewards                        9.25%                               19.75%
                                                                                                                
                                                                                                                
      
                                                                                                                
     Card fees based on Member Merits** category
     Effective Date: Thursday, October 21st, 2021
      Product fees               Essential                  Enhanced                   Premier
      Visa Rewards annual fee*** $25.00                     $15.00                     $0.00
      Visa Value / TLT (Teen) Visa
                                 $0.00                      $0.00                      $0.00
      annual fee
      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.
     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.
          Helpful Links                     Video - ATM Safety
          Become a member
          Benefits of membership
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    10/21/21, 3:30 PM                                Visa credit card rates - Oregon State Credit Union
          Membership booklet
          Member Merits rewards program
          Truth in Savings disclosure
          The credit union difference
          Privacy policy
          Locate a branch or ATM
                                                                                                                
                                                                                                                
                                                                                                                
                                                 0:00 / 1:07                      0:00 / 1:38
                                            Watch this video to get details on
                                            how to be safe when you use an
                                            ATM.
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                                                      Oregon State Credit Union 
                                                     PO Box 306 Corvallis, OR 97339 
                                        Phone: 800-732-0173 | Routing number #323274270 | NMLS #472475
         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.
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