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 12/01/2024
Visa Classic
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases |
as low as 10.99% |
| APR for Cash Advances |
as low as 10.99% |
| APR for Balance Transfers |
as low as 10.99% |
| 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.
