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 Credit Card

Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99% - 22.99%
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 creditworthiness.
APR for Balance Transfers during the Introductory Period 0.00%*
Introductory APR applies only to balance transfers using Visa Convenience Checks within 12 months from the date of account opening based on your creditworthiness. 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.
APR for Balances remaining after the Introductory Period APR will be 12.99% - 22.99%  for balances remaining after the introductory period. 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.
APR for Balance Transfers made after the Introductory Period or Cash Advances 16.99% - 24.99%
These APRs will vary with the market based on the Prime Rate. There is no grace period for Cash Advances or Balance Transfers. The rate for which you may qualify at account opening will depend on your creditworthiness.
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 During the 12 month introductory period: 3% of the amount of each transfer, or $5, whichever is greater.
After the introductory period: 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 August 5, 2019, and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.

*Introductory Balance Transfer rate is for the 12 month introductory period, then Balance Transfers will be subject to the standard APR for Balance Transfers. Balance transfer checks must be written within the first twelve cycle dates to qualify for the introductory rate.

Visa Platinum Rewards Cha-Ching and Share Secured Visa Credit Cards

Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99 - 22.99%
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 creditworthiness.
APR for Balance Transfers 16.99% - 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 creditworthiness. There is no grace period for Cash Advances or Balance Transfers.
APR for Cash Advances 16.99% - 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 credit worthiness. 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 Visa Credit Card Agreement and Disclosure.

The above fee and term information is correct as of August 5,  2019, and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.

Visa Platinum Business Credit Card

Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99% - 22.99%
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 creditworthiness
APR for Balance Transfers 16.99% - 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 credit worthiness. There is no grace period for Cash Advances or Balance Transfers.
APR for Cash Advances 16.99% - 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 credit worthiness. 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 August 5, 2019 and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.