The following rates are effective on September 1, 2023 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151 • 800.969.6151.
VISA® Credit Card Rates
| Terms |
VISA® Cash Back Credit Card |
VISA® PLATINUM with Rewards |
VISA® Gold |
VISA® Share Secured |
| Special Features |
Earn 1.00% Cash Back for every $1 you spend!~~ |
|
A great FIXED rate!
|
|
| APR* For Purchases |
Variable Rate As low as
15.00%**
|
Variable Rate As low as
12.00%††
|
Fixed Rate from
10.00% - 18.00%
|
Variable Rate†
currently at 14.50%
|
| Method Of Computing the Balance For Purchases |
Average
Daily Balance
|
| APR* For Cash Advances |
Variable Rate†† |
Variable Rate††
|
Fixed Rate
10.00% - 18.00%
|
Variable Rate†
|
| Transaction Fee For Purchases |
None
|
| Credit Limit |
$5,000 to $35,000 |
$5,000 to $50,000
|
$500 to $35,000
|
$300 to $5,000
|
| Grace Period For Repayment Of the Balance For Purchases |
You have 27 days to repay your balance before being charged a finance charge.
|
| Annual Fee |
None
|
* APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. FedChoice Federal Credit Union’s normal underwriting requirements apply.
~ Cash advances and transfers do not qualify for Platinum Rewards points. Points can be redeemed for a variety of travel and merchandise awards, but NOT cash.
~~Cash advances and transfers do not qualify for earning 1.00% Cash Back.
†† Variable rate is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
† Variable rate is based on The Wall Street Journal Prime plus 7.00% - rate adjusted semi-annually. Share Secured VISA® requires a deposit of 110% of credit limit.