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Posted:  5/14/2014 11:35

VISA Rates

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 Card Type Annual
Percentage Rate
(APR) for Purchases
 Platinum Visa    10.25% Variable¹
 Platinum Student Visa    10.25% Variable¹
 Platinum
 Savings Secured
   17.75% Variable²
  Other APRs Cash Advance APR: Purchase APR + 6.00%
Balance Transfer APR: Purchase APR + 6.00%
Default APR: If you incur two late payment fees in a twelve month period, the APR will be 22.00% fixed on all balances.
  Annual Fee None
  Minimum Finance Charge None
  Grace period for repayment of the
  purchase balance
Typically, 28 days from the close of
the billing cycle
  Grace period for repayment of the cash
  advance balance
Interest accrues from the date of posting
  Method of computing the balance for
  purchases
Average daily balance, including
current transactions
  Transaction fee for cash advances
  and balance transfers
3% of each advance
Minimum $10.00
  Late payment fee $15.00
  Non-sufficient funds charge $29.00


¹ The APR presented is extended to our most creditworthy borrowers and is based on the Wall Street Journal Prime Rate as of the 20th of the most recent month plus a margin of 7.00%.  Other APRs based on different margins are available.  Your APR will be determined by your overall credit worthiness.

² The APR presented is based on the Wall Street Journal Prime Rate as of the 20th of the most recent month plus a margin of 14.50%.

Information quoted is current as of 10/31/14 and is subject to change without notice.  For more details about our Visa account terms and conditions, please refer to our Visa Credit Card Agreement & Disclosure.  Please call us at (858) 495-3400 or toll free (888) 495-3400 for the latest Visa information.


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a US government agency.  Point Loma Credit Union
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