Platinum Visa with Rewards
Rates Effective: 5/22/2013
Interest Rates and Interest
Charges
3.99% for introductory period of 6 months
Annual Percentage Rate (APR) for
Purchases
After that, your APR will be 6.9%-16.9% based on credit worthiness. This
APR will vary with the market based on the Prime Rate.
6.99% for introductory period of 12 months
APR for Cash Advances & Balance
Transfers
After that, your APR will be 8.9%-18.9% based on credit worthiness. This
APR will vary with the market based on the Prime Rate.
Penalty APR
3.0% above current Interest Rate - This APR may be applied when:
Your minimum monthly payment is more than 60 days late
You have more than one late payment in 12 months
You are in default of any other terms of the Agreement
How long will the Penalty apply? If your APR is increased for any of these
reasons, the Penalty APR will apply until you make six consecutive minimum
payments when due.
Your due date is approximately 25 days after the close of each billing cycle. We
How to Avoid Paying Interest on
Purchases
will not charge any interest on the portion of the purchases balance that you pay
by the due date each month.
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a credit card,
Consumer Financial Protection
visit the website of the Consumer Financial Protection Bureau at
Bureau
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees
None
Transaction Fees
Foreign Transaction Fee
Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee
$25 for balances >$1000
$20 for balances $100-$1000
$10 for balances <$100
Returned Check Fee
$25
Card Replacement Fee
$5
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).
Minimum Payment: 1% of outstanding balance or $10.00, whichever is greater.
We
reserve the right to amend the OnPoint Visa® Credit Card Agreement as permitted by law. The above rates and fees are current
as of May 1, 2013.
Platinum Visa
Rates Effective: 5/22/2013
Interest Rates and Interest
Charges
3.99% for introductory period of 6 months
Annual Percentage Rate (APR) for
Purchases
After that, your APR will be 5.9%-15.9% based on credit worthiness. This
APR will vary with the market based on the Prime Rate.
6.99% for introductory period of 12 months
APR for Cash Advances & Balance
Transfers
After that, your APR will be 7.9%-17.9% based on credit worthiness. This
APR will vary with the market based on the Prime Rate.
Penalty APR
3.0% above current Interest Rate - This APR may be applied when:
Your minimum monthly payment is more than 60 days late
You have more than one late payment in 12 months
You are in default of any other terms of the Agreement
How long will the Penalty apply? If your APR is increased for any of these
reasons, the Penalty APR will apply until you make six consecutive minimum
payments when due.
Your due date is approximately 25 days after the close of each billing cycle. We
How to Avoid Paying Interest on
Purchases
will not charge any interest on the portion of the purchases balance that you pay
by the due date each month.
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a credit card,
Consumer Financial Protection
visit the website of the Consumer Financial Protection Bureau at
Bureau
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees
None
Transaction Fees
Foreign Transaction Fee
Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee
$25 for balances >$1000
$20 for balances $100-$1000
$10 for balances <$100
Returned Check Fee
$25
Card Replacement Fee
$5
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).
Minimum Payment: 1% of outstanding balance or $10.00, whichever is greater.
We reserve the right to amend the OnPoint Visa® Credit Card Agreement as permitted by law. The above rates and fees are current
as of May 1, 2013.
All loan rates are determined by credit union management and subject to change at any time. The Credit Union may offer
other rates in the future. All services offered by the credit union shall be subject to applicable laws of the State of Oregon,
federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the
credit union. All loans subject to credit approval.