Visa

visa_comparison_EMV_updated

*Interest rate for Visa Platinum, Visa Platinum with Rewards, and Visa Signature is an Introductory APR for a period of 12 billing cycles. New APR after 12 billing cycles is listed in the chart below along with additional disclosures.
Contact Us today to find out more.

VISA APPLICATION

Click here to download an application

 

VISA BENEFIT GUIDES

VISA Secure, Platinum and Platinum with Rewards card holders

VISA Signature card holders

TRAVEL ACCIDENT BROCHURE

For Visa Signature card holders only

Qualified applicants must be members or sign-up for membership in the UKRFCU. New memberships are subject to UKRFCU membership terms and disclosures (see membership eligibility or inquire at any UKRFCU location). Loans are subject to approval criteria, not all applicants will qualify.

Minimum Interest Charge

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Secured
2.70%

 

Visa Platinum
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 9.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 10.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Signature
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 11.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers
Visa Platinum
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 9.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.Visa Platinum Rewards
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 10.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Signature
0.00% Introductory APR for a period of 12 billing cycles. After that your APR will be 11.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances
Visa Secured
2.70%Visa Platinum
9.99% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Platinum Rewards
10.99% to 18.00% when you open your account, based on your creditworthiness.This APR will vary with the market based on the Prime Rate.

Visa Signature
11.99% to 18.00% when you open your account, based on your creditworthiness.This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
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

Visa Secured

Visa Platinum

Visa Platinum

Visa Signature

 

None

None

None

$29.00

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

Foreign Transaction Fee

Transaction Fee for Purchases

 

1.99% of the amount of each balance transfer

$10.00 or 2.00% of the amount of each cash advance, whichever is greater

1.00% of each transaction in U.S. dollars

None

Penalty Fees

Late Payment Fee

Over-the-Credit Limit Fee

Returned Payment Fee

 

Up to $25.00

None

Up to $25.00

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

Visa Platinum, Visa Platinum Rewards and Visa Signature – Promotional Period for Introductory APR:

The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. The balance transfer fee is only applied to transactions posted to your account during the introductory period.

Military Lending Act (MLA) Disclosure 

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%. 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).

Please call us at 215-725-4430 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Effective Date:

The information about the costs of the card described in this application is accurate as of June 19, 2018.

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

OTHER DISCLOSURES
Late Payment Fee

 

Returned Payment Fee

Rush Fee – Plastic Card

Pay-by-Phone Fee

$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less.

$25.00

$5.00