Credit Card Rates

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Visa Platinum

8.00% to 16.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa RewardsPlus Platinum

9.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum

8.00% to 16.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa RewardsPlus Platinum

9.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Platinum

8.00% to 16.90% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa RewardsPlus Platinum

9.90% to 17.90% when you open your account, 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 BureauTo 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

- Visa Platinum

- Visa RewardsPlus Platinum

None

None

Transaction Fees

- Balance Transfer


- Cash Advance


- Foreign Transaction


None


$5.00 or 2.00% of the amount of each cash advance, whichever is greater.

2.00% of each transaction in U.S. dollars

Penalty Fees

- Late Payment

- Over-the-Credit Limit Fee

- Returned Payment


Up to $25.00

None

Up to $25.00

Visa Platinum and Visa RewardsPlus Platinum Disclosure

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 Sacramento Credit Union 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 April 1, 2014. This information may have changed after that date. To find out what may have changed, contact the Credit Union.


OTHER DISCLOSURES

Late Payment Fee - $25.00 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 - $25.00 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee - $2.00

Document Copy Fee - $25.00

Rush Fee - $35.00

Card Replacement Fee - $25.00

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.