7/22/2019

Visa credit card disclosures, rates and fees - Oregon State Credit Union

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Visa® credit card disclosures, rates and
fees

Visa® credit card rates on purchases
Effective Date: Monday, July 22nd, 2019

Credit card

APR (Low)*

APR (High)

Perks

Visa® Value

9.00%

18.00%

Visa Rewards

11.50%

16.50%

Save on purchases

and balance
transfers. Get our

lowest rates.

Earn points with
each purchase.

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7/22/2019

Visa credit card disclosures, rates and fees - Oregon State Credit Union

Teen Visa

9.00%

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18.00%
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A co-signed, starter
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card for teens to

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learn responsible
credit use.

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Personal

Loans

Business

Prepaid Visa cards

N/A

N/A

Enjoy the
Investments and Insuran
convenience of a
card with no worry of

credit debt.

Additional Visa credit card rates
Effective Date: Monday, July 22nd, 2019

Credit card

APR (Low)*

APR (High)

APR for cash advances

Visa Value / Teen Visa

9.00%

Visa Rewards

11.50%

APR for balance transfers

Visa Value / Teen Visa

9.00%

Visa Rewards

11.50%

18.00%

16.50%

18.00%

16.50%

*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: Monday, July 22nd, 2019

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

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Visa credit card disclosures, rates and fees - Oregon State Credit Union

Plastic card
replacement fee

$5.00

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$3.00
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$0.00
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Foreign transaction fee

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Personal

Up to 1% of the US dollar amount of the foreign transaction

Business

Loans

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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

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7/22/2019

Visa credit card disclosures, rates and fees - Oregon State Credit Union

Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more
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about factors to consider when applying for or using a credit card
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at consumerfinance.gov/learnmore.

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View the full Visa credit card agreement and disclosure.
Personal

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Business

Investments and Insuran

Video - Cost of poor

credit

We have a passion
for service

Helpful Links

Become a member

Benefits of membership
Membership booklet

Member Merits rewards
program

Truth in Savings disclosure
The credit union difference

Privacy policy

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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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7/22/2019

Visa credit card disclosures, rates and fees - Oregon State Credit Union


ACCOUNT
LOGIN


OPEN AN
ACCOUNT


APPLY FOR
A LOAN


LOCATIONS



SEARCH

Our difference

Personal

Loans

Business

Investments and Insuran

https://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures

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