RCU Visa® Interest Rates, & Fees
Rates are effective August 1, 2010 and subject to change without notice.
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| INTEREST RATES AND CHARGES | ||
| Annual Percentage Rate (APRs) for purchases | Non-Variable Rate Program | 8.99% to 9.99% |
| Variable Rate Program | 9.49% to 17.99%This APR will vary with the market based upon Prime Rate | |
| APR for Balance Transfers | Non-Variable Rate Program | 8.99% to 9.99% |
| Variable Rate Program | 9.49% to 17.99%This APR will vary with the market based upon Prime Rate | |
| APR for Cash Advances | Non-Variable Rate Program | 11.99% 12.99% |
| Variable Rate Program | 12.49% to 20.99% This APR will vary with the market based upon Prime Rate | |
| Penalty APR and when it applies | No penalty rate will be applied | |
| Paying Interest | 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. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | |
| FEES | |
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Transaction Fees
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Penalty Fees
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Other Fees
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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.
Some restrictions may apply. For more information, please call 1 (800) 479-7928. For full Visa Credit Card Terms, see the RCU Visa Credit Agreement. 
For more information, to find out if terms have changed, or to apply for an RCU Visa® please call 1 (800) 479-7928 or apply online now.
Rates are effective August 1, 2010 . All rates, terms and special offers subject to change. Certain restrictions apply. For transactions ocurring outside the UE, a 1% fee will apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. VISA introductory rates listed will remain in effect for the first 6 months following the opening of our account.
Redwood Credit Union Member deposit accounts are Federally insured up to $250,000 by the National Credit Union Administration (NCUA).
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