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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%

APR for Balance Transfers

9.9%, 12.9%, 14.9%, 16.9%

APR for Cash Advances

9.9%, 12.9%, 14.9%, 16.9%

How to Avoid Paying Interest on Purchases

For Credit card Tips from the Consumer 
Financial Protection Bureau

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

None

Stop Payment Fee (Preauthorized Charge)

$32.00

Balance Transfer

N/A

Cash Advance

2% of the transaction amount

Foreign Transaction

Up to 1% of each transaction in US Dollars

Pay By Phone

Penalty Fees

Late Payment

Over-the-Credit Limit

Returned Payment

NSF Convenience Check

Other Fees 

Up to $10.00

Up to $25.00 for first occurrence

Up to $35.00 for subsequent occurrences

Up to $37.00

Up to $32.00

Up to $32.00

Statement Copy Fees

$5.00

Rush Fees

Up to $25.00

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/fiFiles/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 find 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.

Apply Now (https://applications.apcu.com/)

(https://applications.apcu.com)

 (http://www.hud.gov)

 (https://www.ncua.gov/Pages/default.aspx)

Routing #: 261171163

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