® ® Oregon State Online banking Username USERNAME Password Credit Union PASSWORD LOGIN Enroll Now | Forgot password? m& & oO IM Visa® credit card disclosures, rates and fees Visa® credit card rates on purchases Effective Date: Tuesday, January 18th, 2022   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: Tuesday, January 18th, 2022   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%  ® ® Oregon State Online banking Username USERNAME Password Credit Union PASSWORD LOGIN Enroll Now | Forgot password?       Visa Rewards annual fee*** $25.00 $15.00 $0.00 Visa Value / TLT (Teen) Visa (Teen) $0.00 $0.00 $0.00 2 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 9   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 e Late payment fee for all cards is $25 for all Member Merits categories e Transfer fee for all cards is $4 for all Member Merits categories e 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.