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Visa® credit card disclosures, rates and
fees

Visa® credit card rates on purchases

Eective Date: Wednesday, May 2nd, 2018

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.

Teen Visa

8.25%

18.00%

A co-signed, starter

Prepaid Visa cards N/A

N/A

card for teens to

learn responsible

credit use.

Enjoy the

convenience of a

card with no worry

of credit debt.

Additional Visa credit card rates

Eective Date: Wednesday, May 2nd, 2018

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) reect 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

Eective Date: Wednesday, May 2nd, 2018

Product fees

Essential

Enhanced

Premier

Visa Rewards

annual fee***

$25.00

Visa Value / TLT

$0.00

(Teen) Visa annual

$15.00

$0.00

$0.00

$0.00

fee

Plastic card

replacement fee

$5.00

$3.00

$0.00

Foreign transaction fee

Up to 1% of the US dollar amount of the foreign transaction

Prepaid Visa card fees

Reload - $3

Standard issue card - $6.95

Personalized card - $11.95

**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 consumernance.gov/learnmore.

View the full Visa credit card agreement and disclosure.

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program

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Accessibility assistance: If you have diculty
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