Credit Card Rates and Disclosures

Please note: rates below are current as of April 1, 2019 and are subject to change without notice.

APR for purchases, cash advances and balance transfers Annual Fee Late Fee Notes
VISA Signature Rewards 8.98%, 9.98%, 11.23%, 13.48% or 15.48%**

APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.

NONE Up to $25.00 Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $5,000, maximum credit line is $50,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
VISA Traditional Platinum 8.40%, 9.40% 10.65%, 12.90% or 14.90%**

APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.

NONE Up to $25.00 Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $500, Maximum credit line is $30,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
MasterCard 12.90% (purchases and balance transfers)
17.90% Cash Advances
NONE Up to $20.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Secured VISA Platinum 15.90% (purchases and balance transfers)
17.90% Cash Advances
NONE Up to $20.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.

*APR = Annual Percentage Rate.
** Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Current rates as of April 1, 2019. (See cardholder agreement for complete details.)

Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000).

VISA® Traditional and Signature Rewards Agreement (variable)

VISA® Agreement (non-variable)

MasterCard® /Secured Platinum VISA® Agreement

Please note that Credit Cards are not eligible for MemberPlus Relationship Pricing.