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

2.99%  introductory APR for a period of 12 billing cycles. 

After that, your APR will be to 10.00% to 18.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

2.99%  introductory APR for a period of 12 billing cycles. 

After that, your APR will be to 11.90% to 19.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.75%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers
Visa Platinum Credit Card

2.99% introductory APR for a period of 12 billing cycles. 

After that, your APR will be to 10.00% to 18.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

2.99% introductory APR for a period of 12 billing cycles. 

After that, your APR will be to 11.90% to 19.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.75%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances
Visa Platinum Credit Card

10.00% - 18.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards Plus Credit Card

11.90% - 19.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured Credit Card

15.75%  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 $12.00

*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines and verifications. 2.99% introductory APR based on your credit worthiness. Introductory purchase rate applies for 12 months and is for new Visa Platinum and Visa Platinum Rewards Plus Cards only. Introductory balance transfer rate applies for 12 months. Not all approved applicants will qualify for the 2.99% introductory APR. Balance transfer offer applies to the payment of loan balances at other financial institutions only. Balance transfers do not earn rewards or rebates. Balance transfers from any existing accounts with Sacramento Credit Union will not be accepted. Income verification required. Offer and interest rates subject to change without notice. Limited time offer valid August 26 to October 4, 2019.

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

Loss of Introductory APR. Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are one (1) day late in making a payment. Existing SCU loan balances are not eligible for introductory rate.

Effective Date. The information about the costs of the card described in this application is accurate as of August 26, 2019. This information may have changed after that date. To find out what may have changed, contact SCU.

OTHER DISCLOSURES

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

Returned Payment Fee - $12 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.