Visa® Rates

When it comes to getting a Visa credit card, a community credit union like Compass CCU offers an excellent alternative to larger banks. Become a member today and you may find yourself telling people about all the things “that credit union near me” does.

We offer two types of Visa credit cards — to find out which one is better for you, stop by a branch and speak to one of our helpful representatives.

Rates as of 01/01/2023

Visa Classic

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

as low as 8.99%

APR for Cash Advances

as low as 8.99%

APR for Balance Transfers

as low as 8.99%

Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
FEES
Transactions Fees
• Foreign Transaction Fee
1.00% of each multiple currency transactions in US Dollars
0.80% of each single currency transaction in US Dollars
Penalty Fees
• Late Payment
• Returned Payment
Up to $10.00
Up to $15.00

 

Visa Secured

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

15.00%

APR for Cash Advances

15.00%

APR for Balance Transfers

15.00%

Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
FEES
Transactions Fees
• Foreign Transaction Fee
1.00% of each multiple currency transaction in US Dollars
0.80% of each single currency transaction in US Dollars
Penalty Fees
• Late Payment
• Returned Payment
Up to $10.00
Up to $15.00

 

How we will calculate your balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Other Disclosures

Late Payment Fee $10.00 or the amount of the required minimum payment,

whichever is less, if you are ten (10) or more days late

Returned Payment Fee $15.00 or the amount of the required minimum
Rush Fee $25.00
Emergency Card Replacement Fee $25.00
Cash Advance Fee Up to $10 or 2.00% of the amount advanced

Collection Costs. You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney’s fees.