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Loans & Credit

Visa® Credit Card Rates

Rates Effective: February 1, 2017

Interest Rates & Charges Signature Rewards Platinum Rewards Platinum Platinum Business Rewards 
Annual percentage rate (APR*) for purchases and cash advances Variable APR* between 9.99%-18.00%

Variable APR* between 8.99%-16.99%

Variable APR* between 7.99%-15.99% Variable APR* between 8.99%-18.00%
Annual percentage rate (APR*) for balance transfer 9.99%-18.00% APR*

8.99%-16.99% APR*

7.99%-15.99% APR* 8.99%-18.00% APR*
Daily Periodic Rate .0273699 - .0492877 .0246301 - .0465479 .0218904 - .0438082 .0273699 - .0492877
Method of computing the balance of purchases Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases)
Minimum finance charge If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00.
Features & Benefits Signature Rewards Platinum Rewards Platinum Platinum Business Rewards 
Technology EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud
Signature Benefits Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks NA NA NA
Credit line Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Cardholders Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users
Rewards points

Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account

Earn 1.25 CURewards points for every dollar spent on all purchases

Earn 1 CURewards point for every dollar on all purchases None Earn 1 CURewards point for every dollar on all purchases
Rewards Options Redeem for cash, travel, merchandise or gift cards Redeem for cash, travel, merchandise or gift cards None Redeem for cash, travel, merchandise or gift cards
Point limits None None None None
Point expiration 5 years 5 years NA 5 years
Extended benefits Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service Travel Accident Insurance up to $50,000 Auto rental insurance Travel Accident Insurance up to $50,000
Fees Signature Rewards Platinum Rewards Platinum Business Platinum Rewards 
Account Set-up Fee None None None None
Balance Transfer Fee None None None None
Cash Advance Fee None None None None
Foreign Transaction Fee None 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars

Disclosures

  • *Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.

  • 1Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.

  • *APR = Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary.

  • †The Visa Signature Credit Card 10,000 bonus rewards points offer applies to new card holders only. New cardholders will receive 10,000 bonus reward points when they make $1,500 in purchases within first 90 days of account opening. Balance transfers and cash advances do not apply. 

  • Visa Signature Guide to Benefits
  • Visa Platinum Rewards and Platinum Guide to Benefits
  • Visa Business Platinum Rewards Guide to Benefits