Oak Trust Credit Union - Visa® Credit Card Disclosure

Visa® Credit Card Disclosure

Online Banking Login
eStatement Login
E-Mail Sign Up
Rates
ATMs and Locations
Contact Us
About Us
Member Testimonials
Careers
Apply Today
Home

Annual percentage rate (APR) for purchases and cash advances	Variable-Rate Information The standard APR may vary quarterly and equals the Prime Rate plus 6.5% for Platinum Plus Visa, or the Prime Rate plus 10.5% on Platinum Visa² Platinum Plus - 9.75%^1,2 Platinum - 13.75%^1,2
Other APRs	Penalty rate: 16.90%¹
Grace period for repayment of the balance for purchases	You have 25 days to repay your balance for purchases before a finance charge will be imposed.
Method of computing the balance for purchases	Average daily balance (including new purchases/transactions)
Annual fees	NONE
Minimum finance charge	NONE
Other Fees	BALANCE TRANSFER TRANSACTION FEE: NONE CASH ADVANCE TRANSACTION FEE: 2% for each cash advance, with a minimum of $3 and a maximum of $75 RETURN CHECK FEE: $25 FOREIGN TRANSACTION FEE: Transaction fee for any transaction made in a foreign currency and, as of January 1, 2009, any transaction made in U.S. Dollars that is processed outside the United States: 1% of the U.S. Dollar amount of each such transaction.

1 If we have not received your minimum payment within 60 days from the due date a Penalty APR of 16.90% will apply to outstanding account balances as well as new transactions. If the Penalty APR is imposed, your rate will be returned to the Standard APR if you make six consecutive minimum payments by the due date for each of the six payments. If you do not make these six consecutive minimum payments, we may keep the Penalty APR on your account indefinitely.

2 The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month preceding an interest rate adjustment date: January 1, April 1, July 1, and October 1. Qualifying for Platinum Plus or Platinum will be based on our evaluation of your credit and will be disclosed with your Card.

Please select your option.

Oak Trust Credit Union is federally insured by the National Credit Union Administration

| | | |