VISA Disclosure

Limited Time VISA Credit Card Offer!
 
Extended to July 31st!
 
April 15-July 31st, 2019!
No Balance Transfer Fees!
 
APR=Annual Percentage Rate.
 
The balance transfer rate as low as 1.99% APR (up to 7.99% APR) based on creditworthiness and other factors. Balance transfer rate is not valid on purchases or cash advances. New purchases and cash advances are subject to current rates.
 
Balance transfer rate is for new money only and does not apply to FFCOCU loans (including existing FFCOCU VISA balances) currently financed with the credit union. The as low as 1.99% APR (up to 7.99% APR) is valid for 12 months from the time the balance transfer was posted to your account within the promotional period. Promotional period is April 15 to July 31st. Offer ends July 31, 2019. Any balance transfer request received after July 31st will be subject to the standard APR assigned based on credit. After 12 months from the balance transfer date, your rate will revert back to the standard APR based on credit worthiness. Eligibility and offer rate may vary based on creditworthiness.
 
Balance transfers are posted as cash advances and do not qualify for a grace period. Balance transfers must be processed by a FFCOCU staff member to qualify for balance transfer rate. Please continue to pay all minimums payments required on any balance transfer requests until transaction is posted to your account.  Balance transfers can take up to three weeks to complete. Balance transfers will not be completed if transfer information is incomplete or invalid. Balance transfers are only valid up to the assigned limit available at the time of transfer. Balance transfers are not valid on share secured VISAs. Minimum of $100 balance transfer. If you account is past due 30 days, your balance transfer rate will revert back to your standard APR based on credit. If your account is past due 90 days, your balance transfer rate will revert to the penalty rate. Not all applicants will qualify  Offer subject to change at any time. For complete details, contact the credit union.

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Interest Rates and Interest ChargesVisa® Platinum
Annual Percentage Rate (APR) for Purchases

6.99% up to 15.99%
Fixed - The APR that you may qualify account opening will depend on your credit worthiness.

APR for Balance Transfers

6.99% up to 15.99%
Fixed - The APR that you may qualify account opening will depend on your credit worthiness.

APR for Cash Advances 6.99% up to 15.99%
Fixed - The APR that you may qualify account opening will depend on your credit worthiness.
Penalty APR and When it Applies 15.99%
When a card is 90 days delinquent.
Penalty APR is in effect until the account has been current for 6 consecutive months.
How to Avoid Paying Interest Your due date is at least 10 days after the close of each billing cycle. We will not charge you interest on retail purchases, cash advances, and balance transfers if you pay your entire balance by the due date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.01
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 http://www.consumerfinance.gov/learnmore.

 

FeesVisa® Platinum
Annual Fee

None

Transaction Fees
  • Balance Transfer
None
  • Cash Advances
None
  • Foreign Transaction
Up to 1.0% of each transaction in U.S. Dollars
Penalty Fees
  • Late Payment
Up to $25.00
  • Over-the-Credit Limit
Up to $10.00 - This fee is applied when a balance is 5.0% or more over the limit.
  • Returned Payment
Up to $25.00
Other Fees None

 

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts; and any participation fee charged (other than certain participation fees for a credit card account).

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