Star One Credit Union
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Visa Credit Card Interest Rates: No Annual Fee

CREDIT CARD INTEREST RATES AND INTEREST CHARGES

 

 

Annual Percentage Rate (APR) for Purchases & Balance Transfers

1.99% introductory APR for 12 months from date of account opening. After that, your APR will be:

8.75% VISA Signature Rewards Card

8.75% - 12.75% VISA Platinum Rewards Card

7.75% - 13.75% VISA Platinum Best Rate Card
When you open a VISA Platinum account, the applicable APR is based on creditworthiness.

 

APR for Cash Advances

8.75% VISA Signature Rewards Card

8.75% - 12.75% VISA Platinum Rewards Card

7.75% - 13.75% VISA Platinum Best Rate Card
When you open a VISA Platinum account, the applicable APR is based on creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

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.

CREDIT CARD FEES

Annual Fee

None

Transaction Fees

  • Foreign Transaction Fees
  • Balance Transfer Fees
  • Cash Advance Fees

 
 

None

Penalty Fees

  • Late Payment Fee
  • Return Payment Fee

 

$10
up to $15


 

How We Will Calculate Your Balance: We use a method called "daily balance" (including new purchases).

Minimum Payment Required: The minimum monthly payment will be 2.5% of your outstanding balance or $20.00, whichever is greater. We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are current as of September 1, 2015.

Fees and APR apply to new cards only. Learn more about our No-Annual Fee Credit Cards. Visit our online credit-card application.

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