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
Visa Value 6.75% 16.75%Save on purchases and
balance transfers. Get our
lowest rates.
Visa Rewards 9.25% 19.75%Earn 1% cash back with each
purchase.
Teen V isa 6.75% 16.75%A co-signed, starter card for
teens to learn responsible
credit use.
Prepaid V isa cards N/A N/AEnjoy 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 V isa credit card rates
Effective Date:  Thursday , October 21st, 2021
Credit card APR (Low)* APR (High)Online banking  USERNAME  PASSWORD  LOGIN
Enroll Now  | Forgot password?
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 10/21/21, 3:30 PM Visa credit card rates - Oregon State Credit Union
https://www .oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures 2/3APR for cash advances
Visa V alue / T een V isa 6.75% 16.75%
Visa Rewards 9.25% 19.75%
APR for balance transfers
Visa V alue / T een V isa 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 V alue / TL T (Teen) V isa
annual fee$0.00 $0.00 $0.00
Foreign transaction fee � Up to 1% of the US dollar amount of the foreign transaction
Prepaid V isa card fees � Reload: $3. Standard card: $6.95. Personalized card: $1 1.95
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 V isa 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. W e will not charge any interest on the portion
of the purchases balance that you pay by the due date each month. W e 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
Become a member
Benefits of membershipVideo - A TM Safety

 10/21/21, 3:30 PM Visa credit card rates - Oregon State Credit Union
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Member Merits rewards program
Truth in Savings disclosure
The credit union dif ference
Privacy policy
Locate a branch or A TM
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