5/20/2021

Atlanta Postal Credit Union - Rates - VISA® Credit Cards

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 Rates

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VISA  Credit Card Account Rates

®

VISA Platinum Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

9.9%, 12.9%, 14.9%, 16.9%

https://www.apcu.com/home/rates/visa-credit-card

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Atlanta Postal Credit Union - Rates - VISA® Credit Cards

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on Purchases

For Credit card Tips from the Consumer Financial Protection Bureau

9.9%, 12.9%, 14.9%, 16.9%

9.9%, 12.9%, 14.9%, 16.9%

Your due date is at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases or cash advances if you pay your entire balance by the due date
each month.

To learn more about factors to consider when applying for or using a credit card, visit the
Web site of the Consumer Financial Protection Bureau at 
https://www.ConsumerFinance.gov/learnmore
(https://www.ConsumerFinance.gov/learnmore)

VISA Platinum Fees

Annual Fee

Transaction Fees

Stop Payment Fee (Preauthorized Charge)

Balance Transfer

Cash Advance

Foreign Transaction

Pay By Phone

Penalty Fees

Late Payment

Over-the-Credit Limit

Returned Payment

NSF Convenience Check

Other Fees

Statement Copy Fees

Rush Fees

None

$32.00

N/A

2% of the transaction amount

Up to 1% of each transaction in US Dollars

Up to $10.00

Up to $25.00 for rst occurrence

Up to $35.00 for subsequent occurrences

Up to $37.00

Up to $32.00

Up to $32.00

$5.00

Up to $25.00

https://www.apcu.com/home/rates/visa-credit-card

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Atlanta Postal Credit Union - Rates - VISA® Credit Cards

Card Reissue Fee

$10.00 after one free annually

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

Consumer Credit Card Agreement and Disclosure (/home/Files/static/documents/Consumer Credit Card Agreement and Disclosure.pdf)

The information about the costs of the VISA Credit Cards described above is accurate as of March 1, 2018. This information may change after that date. To nd

out what may have changed please call APCU's VISA Department at (800) 849-8431 or write us at 515 Mulberry Street, Suite 100, Macon, GA 31201-6306. APCU

will review your credit history, income and other information you provide to determine the maximum credit line available for your account and the credit card

rate for which you qualify.

Military Lending APR

Eective October 3, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of

consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage

rate of 36 percent.

This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold

in connection with the credit transaction; any application fee charged (other than certain application fees for specied credit transactions or accounts); and any

participation fee charged (other than certain participation fees for a credit card account).

To receive this notice verbally, please call 1-800-849-2728, option 8, 24 hours a day, 7 days a week.

Apply Now (https://applications.apcu.com/apply.aspx?

enc=Kw21Wblm1yxpjJabdoZaD1LRSbAbHFnhmIMW2l3s1OKGnxf3Me8TUZ0cnW4Q8YF4V48hxIFnisSiYULhVL4qvkmuj8_V94MWVX1lvgVKX6KV17QcD9VvfwHuFWzx6Jlf)

https://www.apcu.com/home/rates/visa-credit-card

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5/20/2021

Atlanta Postal Credit Union - Rates - VISA® Credit Cards

(https://applications.apcu.com/apply.aspx?
enc=Kw21Wblm1yxpjJabdoZaD1LRSbAbHFnhmIMW2l3s1OKGnxf3Me8TUZ0cnW4Q8YF4V48hxIFnisSiYULhVL4qvkmuj8_V94MWVX1lvgVKX6KV17Q

 (http://www.hud.gov)  

 (https://www.ncua.gov/Pages/default.aspx)  APCU Routing Number: 261171163

Disclosures (/home/about-us/disclosures)  | Privacy (/home/Files/static/documents/Privacy_Policy.pdf)  | Site Map (/home/site/map)

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