Visa® Credit Card Rates

Purchasing power at your fingertips

7 17 offers Visa® credit cards with benefits designed to meet the unique needs of our members in the greater Warren, Kent, Ravenna, Canton, and Youngstown, OH, areas.

Visa Platinum Rewards (cha-ching and Share Secured Visa Credit Cards)

Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.74% - 22.74%
These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your creditworthiness.
Introductory APR for Balance Transfers 4.99%*
(Introductory APR through first 9 statement closing dates)
APR for Balance Transfers 16.74% - 24.99%
(APR after 9th statement)
Notice Regarding Interest Charges. Your introductory APR applies only to balance transfers, not to purchases. During the introductory period we will apply your minimum payment to transferred balances before we apply them to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, including transferred balances. There is no grace period for Cash Advances or Balance Transfers. Balance Transfer checks must be written within the first three cycle dates to qualify for the introductory rate. These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your account relationship.
APR for Cash Advances 16.74% - 24.99%
These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your account relationship. There is no grace period for Cash Advances or Balance Transfers.
Penalty APR and when it applies 24.99%
This APR may be applied to your account if you make a late payment which is 60 days past due.
How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge There is no minimum interest charge.
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
Cash Advance Fee 3% of the amount of each cash advance, with a minimum of $2 and a maximum of $15
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Late Payment Fee Up to $35
Over-the-Credit Limit Fee Up to $35
Returned Payment Fee Up to $35
Disclosures:

How we calculate your balance: We use a method called average daily balance (including new purchases). See your Visa Credit Card Agreement and Disclosure for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card Agreement and Disclosure.

The above fee and term information is correct as of June 18, 2018, and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.

*Introductory Balance Transfer rate is for 9 statement closing dates, then Balance Transfers will be subject to the Cash Advance rate. Balance Transfer checks must be written within the first three cycle dates to qualify for the introductory rate. Balance Transfer Rate requires a credit score of 660 or above.

Visa Platinum Business Credit Card

Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.74% - 22.74%
These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your account relationship.
APR for Balance Transfers 16.74% - 24.99%
These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your account relationship. There is no grace period for Cash Advances or Balance Transfers.
APR for Cash Advances 16.74% - 24.99%
These APRs will vary with the market based on the Prime Rate. The rate for which you may qualify at account opening will depend on your account relationship. There is no grace period for Cash Advances or Balance Transfers.
Penalty APR and when it applies 24.99%
This APR may be applied to your account if you make a late payment which is 60 days past due.
How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge There is no minimum interest charge.
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
Cash Advance Fee 3% of the amount of each cash advance, with a minimum of $2 and a maximum of $15
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Late Payment Fee Up to $35
Returned Payment Fee Up to $35
Disclosures:

How we calculate your balance: We use a method called "average daily balance (including new purchases)". See your Visa Credit Card Agreement and Disclosure for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Business Visa Credit Card Agreement and Disclosure.

The above fee and term information is correct as of June 18, 2018 and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.