Current Credit Card Rates

VISA Platinum Credit Card Rates & Fees (Last Modified: Aug 29, 2018)

VISA Platinum CardsInterest Rates and Interest Charges:
for Purchases
VISA Platinum Rewards - 11.90% - 17.90% (1)
VISA Platinum - 8.90% - 16.90% (1)
VISA Platinum Share Secure Non-Rewards - 8.90% - 16.90% (1)
for Balance Transfers
VISA Platinum Rewards - 11.90% - 17.90% (1)
VISA Platinum - 8.90% - 16.90% (1)
VISA Platinum Share Secure - 8.90% - 16.90% (1)
for Cash Advances
VISA Platinum Rewards - 11.90% - 17.90%(1)
VISA Platinum - 8.90% - 16.90%(1)
VISA Platinum Share Secured - 8.90% - 16.90%(1)
Penalty APR and When it AppliesUp to 2.00% above your Annual Percentage Rate.
This APR may be applied to your account if you are 60 days past due in making a payment.

How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge interest on purchases made with your VISA Platinum or VISA Platinum Rewards card if you pay for your entire balance by the due date each month. Interest is charged on all cash advances and balance transfers, and on all VISA Platinum Share Secured transactions, beginning on the transaction date.
Minimum Interest Charge$0.50
For Credit Card Tips From
The Consumer Finance Protection Bureau
To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:

VISA Platinum Credit Card Rates & Fees (Last Modified: Jul 02, 2018)

VISA Platinum Cards
Annual Fees
Annual Fee
Visa Platinum Rewards - $25.00, None for Relationship Accounts
Visa Platinum and VISA Platinum Share Secured – None
Transaction Fees
Cash Advance & Balance Transfers
Foreign Transactions
1% of each transaction in U.S. dollars
Penalty Fees
Late Payment

Over the Credit Limit

Returned Payment Fee
If you are 20 or more days late in making a payment, a late charge will be added to the account for each cycle that you remain past due, subject to a minimum of $1.00 up to a maximum of $25.00, and up to $35.00 for a second occurrence within 6 months.


Up to $25.00 for any payment returned, and up to $35.00 for any additional payments returned within 6 months.

How We Will Calculate Your Balance: We use a method called "Average Daily Balance" (including new purchases).
(1) The Annual Percentage Rate is determined by your credit performance. The method used to determine individual rates is on file at the Credit Union.

The information provided in this disclosure is accurate as of the date indicated above. The information may have changed after that date. To find out what may have changed call us at 202-366-9400, 800-368-8432, or write to us at P.O. Box 25947, Alexandria, VA 22313-9809. Before we approve you for a credit card, we will review your credit report and the information you provide with your application. The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure which you will receive prior to using your card.