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Visa Value credit card
Simple, no-frills, with no annual fee, that's our Visa  Value credit card, giving you convenience at a rate that saves you money. See

®

our Visa Value credit card rates.

Apply online | Visa Value credit card

Coast view Visa Value credit

Marys Peak Visa Value credit

Blue traditions Visa Value

card

card

credit card

Money-saving features include:

No annual fee

No balance transfer fee 4 Transfer your high-interest credit card balances to a Visa Value card.

No cash advance fee

No penalty interest rate

Same interest rate for cash advances as for purchases

Free auto rental collision damage waiver

Convenient and flexible

Contactless payments

Credit limits from $5003$50,000

Cash advance withdrawals available from nationwide ATM network

Act quickly if your personal data is threatened

Your Oregon State Credit Union Visa credit card includes ID Navigator Powered by NortonLifeLock. No one can prevent all identity

theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

When you carry this Visa card, you’re eligible for ID Navigator powered by NortonLifeLock. It provides you with the tools to help

keep you informed of potential threats to your identity so you can act quickly should the unexpected happen.

 Cardholders: Confirm your eligibility here with ID Navigator Powered by NortonLifeLock. After your eligibility is confirmed,

you'll be able to access helpful information including phone numbers and other ID Navigator tools.

Need to report lost or stolen cards?
Contact us for help with your lost or stolen cards:

Call 800-732-0173

Prepaid cards: 866-906-4170

Get your Visa Value credit card today

Apply online | Visa Value credit card

Visit a branch

Call 800-732-0173

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Visa  credit card disclosures, rates and fees

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Visa® credit card rates on purchases
Effective Date: Thursday, July 21st, 2022

Credit card

APR (Low)*

APR (High)

Perks

®
Visa  Value

8.25%

18.25%

Visa Rewards

10.75%

21.25%

Teen Visa

8.25%

18.25%

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 credit card information: 1) To calculate your balance, we use a method called <average daily balance= (including new

purchases). 2) 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. 3) 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 disclosures: Visa credit card agreement and disclosure; Visa Rewards Standard

Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits.

Additional Visa credit card rates
Effective Date: Thursday, July 21st, 2022

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

8.25%

10.75%

8.25%

10.75%

18.25%

21.25%

18.25%

21.25%

*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit

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account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the

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prime rate. Membership in this credit union is required to open a credit account.

Additional credit card information: 1) To calculate your balance, we use a method called <average daily balance= (including new

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purchases). 2) 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. 3) 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 disclosures: Visa credit card agreement and disclosure; Visa Rewards Standard

Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits.

Card fees based on Member Merits** category
Effective Date: Thursday, July 21st, 2022

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 4 Up to 1% of the US dollar amount of the foreign transaction

Prepaid Visa card fees 4 Reload: $3. Standard card: $6.95. Personalized card: $11.95

Premier

$0.00

$0.00

Plastic card replacement fee

$6.00

$6.00

$6.00

**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. Please contact Oregon State Credit Union for any changes in card terms disclosed.

Additional credit card information: 1) To calculate your balance, we use a method called <average daily balance= (including new

purchases). 2) 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. 3) 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 disclosures: Visa credit card agreement and disclosure; Visa Rewards Standard

Protection Package - card guide benefits; Visa Value Standard Protection Package - card guide benefits.