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Home » Rates and Fees

Rates and Fees

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Visa Rewards* and Visa Value Card rates and fees

Browse credit card rates and fees in the table below or:

Go here for Visa
card details

Apply now | Visa credit card

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for
Purchases

10.25% – 15.25% Visa Rewards
7.75% – 17.75% Visa Value

When you open your account, the applicable APR will be based on your
creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

APR for Cash Advances

10.25% – 15.25% Visa Rewards

7.75% – 17.75% Visa Value

When you open your account, the applicable APR will be based on your
creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

APR for Balance Transfers

10.25% – 15.25% Visa Rewards

7.75% – 17.75% Visa Value

When you open your account, the applicable APR will be based on your
creditworthiness. After that, your APR will vary with the market based on the
Prime Rate.

 
 
INTEREST RATES AND INTEREST CHARGES

How to Avoid Paying Interest on
Purchases

Your 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.

For Credit Card Tips from the Consumer
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Annual Fee

$25** Visa Rewards only

FEES

Card Replacement Fee

$5

Transaction Fees
Foreign Transaction Fee

Up to 1% of the US dollar amount of the foreign transaction

Penalty Fees

Late Payment Fee
Transfer Fee.

$25
$4

How we will calculate your balance: We use a method called “average daily balance” (including new purchases).

The above rates and fees are current as of January 23, 2018. Click here to download the complete Visa Credit Card Agreement
and Disclosure.

* Please contact Oregon State Credit Union for any changes in card terms disclosed.

** The annual fee may be reduced or waived depending on your Member Merits category. The annual fee will be due on the
account anniversary date.

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Can you afford a 0% interest auto loan?
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Contact us

Call 800-732-0173
Locate a branch

Oregon State Credit Union ©2018 Oregon State Credit Union

PO Box 306
Corvallis, OR 97339

Phone: 800-732-0173

Routing number : 323274270

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