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VISA
CCFCU Offers five VISA Card Programs...
You're sure to find one that best suits your needs
Premier Plus VISA
For members with excellent credit. This low fixed rate card
features:
- 8.90%
Annual Percentage Rate
- Up
to $20,000 Credit Limit
Premier
VISA
For members with excellent credit. This low fixed rate card
features:
- 9.90%
Annual Percentage Rate
- Up
to $10,000 Credit Limit
Regular VISA
Our Regular VISA card is one of the lowest "fixed rate" VISA
cards in the nation!
- 11.90%
Annual Percentage Rate
- Up
to $10,000 Credit Limit
Secured
VISA
Designed for the depositor with excellent credit and funds
on deposit at the credit union.
- SECURED
BY SHARE ACCOUNT
- 7.90%
Annual Percentage Rate
- Up
to $10,000 Credit Limit
- 100%
of credit limit secured by Share account
Creditbuilder
VISA:
Designed for the new borrower who has little or no credit
history, or the borrower who has had credit problems and is
trying to "start over".
- SECURED
BY SHARE ACCOUNT
- 17.00%
Annual Percentage Rate
- $1,000
Maximum Credit Limit
- Funds
must be on deposit a minimum of 30 days prior to credit
card application. 125% of credit limit will be secured.
- No
annual fees
- No
fee for cash advances when taken at any of our branch offices
Enjoy
your VISA charge power in more than 18 million establishments
around the world - to travel, shop, dine, stay, and have fun.
Enjoy the VISA convenience while running around town or around
the world!
Your Credit Union VISA is great to have on hand should you
encounter some unwelcome emergency. It protects you with $150,000
automatic travel insurance, can be used to guarantee reservations
- and even gets you cash advances wherever you may be.
While you're thinking about it, why not save money by paying
off those high-cost bank, gas and store credit cards? We'll
give you one simple form to complete, and we'll handle everything
else. There are no cash advance fees when money is advanced
at any of our offices. Best of all you'll have one low monthly
payment... with a very low interest rate!
| VISA
Credit Card Disclosures |
Card
Type |
Annual
Percentage
Rate |
Periodic
Monthly
Rate |
| VISA
(Premier Plus) |
8.90% |
.74% |
| VISA
(Premier) |
9.90% |
.83% |
| VISA
(Regular) |
11.90% |
.99% |
| Secured |
9.00% |
.75% |
| Credit
Builder |
17.00% |
1.42% |
The
Following applies to all VISA programs:
| Grace
period for repayment of balances for purchases |
You
have 25 days to repay your balance before a finance
charge is imposed |
| Method
of computing the balance for purchases |
Average
daily balance (including new purchases). |
| Annual
fees |
None |
| Minimum
finance charge |
$1.00 |
| Transaction
fee for purchases |
None |
| Transaction
fee for advances |
3%* |
| Over
limit fee |
$20 |
| Late
payment fee |
$20 |
| Insufficient
check fee |
$20 |
| VISA
Draft Copy (each) |
$3 |
| VISA
Draft Original (each) |
$6 |
*No
fee for cash advanced at CCFCU Offices.
Interest will be charged from date of advances.
FINANCE
CHARGE:
Finance Charge (interest) is calculated at the
monthly periodic rate and corresponding annual percentage
rate on the average daily balances of purchases
and cash advances as described above. |
TELEPHONE
INFORMATION AND
MAILING ADDRESS:
For all purposes as referenced in the VISA Card
Agreement and Truth In Lending Disclosure call us
at (888) 387-8632, or write the Credit Union at:Contra
Costa Federal Credit Union 1111 Pine Street Martinez,
CA 94553 |
24 HOUR LOST OR STOLEN CARDS: (800) 556-5678
7-5 PM CUSTOMER SERVICE: (800) 447-3248 |
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| 24
Hour "Personal" Service |
| Members
can apply for a VISA 24 hours-a-day, 7 days-a-week!
Speak to a real live person anytime day or night, call
(888) 387-8632 or click
here to use our safe and convenient on-line application.
Save
time and money next time you need a loan, call Contra
Costa Federal Credit Union anytime. |
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