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

CREDIT CARD INTEREST RATES AND INTEREST CHARGES

 

Annual Percentage Rate (APR) for Purchases

8.75% VISA Platinum       9.75% VISA Gold
12.75 - 14.75% VISA Classic
When you open a VISA Classic account, the applicable APR is based on creditworthiness

 

APR for Cash Advances & Balance Transfers

8.75% VISA Platinum       9.75% VISA Gold
12.75 - 14.75% VISA Classic
When you open a VISA Classic 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

 

Up to 1% of the US dollar amount of the foreign transaction.

Penalty Fees

  • Late Payment Fee
  • Return Item Fee

 

$10
$13


 

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 May 27, 2014.

Fees and APR apply to new cards only. Learn more about individual card benefits. Visit our online credit-card application.

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