1/14/2020

Visa credit card disclosures, rates and fees - Oregon State Credit Union

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ACCOUNT
LOGIN

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OPEN AN
ACCOUNT

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APPLY FOR
A LOAN

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LOCATIONS

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Our
difference

PersonalLoansBusiness

Investments and
Insurance

Online
services

Education

Visa® credit card disclosures, rates and
fees

Visa® credit card rates on purchases
Effective Date: Tuesday, January 14th, 2020

Credit card

APR (Low)*

APR (High)

Perks

Visa® Value

8.25%

18.00%

Visa Rewards

10.75%

15.75%

Save on purchases

and balance
transfers. Get our

lowest rates.

Earn points with
each purchase.

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

Teen Visa

8.25%

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18.00%

OPEN AN
ACCOUNT


APPLY FOR
A LOAN

A co-signed, starter

card for teens to

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LOCATIONS

SEARCH

learn responsible
credit use.

Our
difference

PersonalLoansBusiness

Prepaid Visa cards

N/A

Investments and
Insurance
N/A

Education

Enjoy the
Online
services
convenience of a
card with no worry of

credit debt.

Additional Visa credit card rates
Effective Date: Tuesday, January 14th, 2020

Credit card

APR (Low)*

APR (High)

APR for cash advances

Visa Value / Teen Visa

8.25%

Visa Rewards

10.75%

APR for balance transfers

Visa Value / Teen Visa

8.25%

Visa Rewards

10.75%

18.00%

15.75%

18.00%

15.75%

*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.

Card fees based on Member Merits** category
Effective Date: Tuesday, January 14th, 2020

Product fees

Essential

Enhanced

Premier

Visa Rewards annual
fee***

$25.00

$15.00

$0.00

Visa Value / TLT
(Teen) Visa annual
fee

$0.00

$0.00

$0.00

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

Foreign transaction fee — Up to 1% of the US dollar amount of the foreign transaction

SEARCH
Prepaid Visa card fees — Reload: $3. Standard card: $6.95. Personalized card: $11.95

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ACCOUNT

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A LOAN

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Plastic card

Our
replacement fee
difference

$5.00
PersonalLoansBusiness

$5.00
Investments and
Insurance

$5.00
Online
services

Education

**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.

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

Helpful Links

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Video - ATM Safety

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A LOAN

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LOCATIONS

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Become a member
Benefits of membership
Our
difference
Membership booklet
Member Merits rewards

PersonalLoansBusiness

Investments and
Insurance

Online
services

Education

program
The credit union difference

Truth in Savings disclosure

Privacy policy
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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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

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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