Credit Card Rates

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Our Visa® options offer something for everyone

A credit card is an important financial tool, especially when it features a lower rate. As a not-for-profit institution, Sacramento Credit Union (SCU) keeps credit card rates low so members in California can benefit.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Platinum Credit Card

9.50% to 18.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

11.40% to 19.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.25%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers
Visa Platinum Credit Card

9.50% to 18.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

11.40% to 19.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.25%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances
Visa Platinum Credit Card

9.50% to 18.40% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

11.40% to 19.40% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.25%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

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.
Fees
Annual Fee None
Balance Transfer Fee None
Foreign Transaction Fee None
Transaction Fees
Cash Advance $5.00 or 2.00% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment Up to $10.00
Over-the-Credit Limit Fee None
Returned Payment Up to $27.00

*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines and verifications.

How We Will Calculate Your Balance. We use a method called "average daily balance" (including new purchases).

OTHER DISCLOSURES

Late Payment Fee - $10 or the amount of the required minimum payment, whichever is less, if you are more than ten (10) days late in making a payment.

Returned Payment Fee - $12.00 for a returned check and $27.00 for a returned ACH payment or the amount of the required minimum payment, whichever is less.

Statement Copy Fee - $2

Document Copy Fee - None

Rush Fee - $25

Card Replacement Fee - None

Collection Costs. You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney's fees.