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VISA ® Credit Cards: Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances 0% for 6 months, then
9.90% to 12.90% depending on your creditworthiness, or
14.90% for a secured card (120% security to limit ratio).
Your APR will not vary after the initial rate period.

Penalty APR and
When it Applies
None for new credit card accounts.
None for existing credit card accounts, unless penalty APR was in effect prior to January 1, 2009 after payment was received late twice during a six-month period. In this case, the penalty APR is 17.95%.
How Long Will the Penalty APR Apply? If the penalty APR was applied to your account prior to January 1, 2009, it may remain at this level indefinitely.

How to Avoid
Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge None

For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:
VISA ® Credit Cards: Fees
Annual Fee None

Transactions Fees  
  • Balance Transfer
  • Cash Advance
Either 2% of each cash advance or a $2.00 minimum, $50.00 maximum
  • Foreign Transaction
Up to 1% of each transaction in U.S. dollars

Penalty Fees  
  • Late Payment
  • Returned Payment

Other Fees  
  • Card Replacement
$10.00. Rush replacement: $37.00
  • Sales Draft Copies
Original copy: $6.00, Photocopy: $5.00
2013 First U.S. Community Credit Union
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