Credit Card Rates

Our Visa® options offer something for everyone

A credit card is an important financial tool, especially when it features a lower rate. As a not-for-profit institution, Sacramento Credit Union (SCU) keeps credit card rates low so members in California can benefit.

Interest Rates and Interest Charges
APR^* for Purchases	Visa Platinum Credit Card 12.25% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards Plus Credit Card 14.15% to 22.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Credit Card 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum Credit Card 12.25% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards Plus Credit Card 14.15% to 22.15%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Credit Card 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum Credit Card 12.25% to 21.15% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards Plus Credit Card 14.15% to 22.15% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Credit Card 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance 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 at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Balance Transfer Fee	None
Foreign Transaction Fee	None
Transaction Fees
Cash Advance	$5.00 or 2.00% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment	Up to $10.00
Over-the-Credit Limit Fee	None
Returned Payment	Up to $27.00

*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines and verifications.

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

OTHER DISCLOSURES

Late Payment Fee - $10 or the amount of the required minimum payment, whichever is less, if you are more than ten (10) days late in making a payment.

Returned Payment Fee - $12.00 for a returned check and $27.00 for a returned ACH payment or the amount of the required minimum payment, whichever is less.

Statement Copy Fee - $2

Document Copy Fee - None

Rush Fee - $25

Card Replacement Fee - None

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.

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