VISA Credit Cards
Our VISA Classic, Gold and Platinum credit cards are designed with you in mind. We’ve combined attractive rates with money saving features that distinguish our card programs from competitors. You can count on convenience and consistent value from your VISA Classic, Gold or Platinum card from United Federal Credit Union.
All of our credit cards feature the following common benefits:
- Low interest rates, with the choice of variable or fixed rates
- NO annual fees
- 25 days of interest-free grace period on your purchases
- Low minimum payments
- Easy balance transfers, with no fee or higher interest rate. Click here for more information.
- NO cash advance fees
- Low cost credit protection insurance
- The convenience of automatic payment: no need to think about sending a check, no worrying about late fees!
- For ultimate card convenience, all United Federal Credit Union VISA cards can also be used in nationwide networks of Automated Teller Machines (ATMs). You’ll enjoy access for cash withdrawals and deposits to your United Federal Credit Union checking or savings accounts, or use it to obtain cash advances on your VISA account.
- Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. Click here for details.
Verified by Visa
| Credit Cards |
| Effective Date: November 3, 2008 |
| Card Type | Minimum Payment | Variable APR* | Fixed APR |
| VISA Classic |
3% of Balance |
10.65% |
16.00% |
| VISA Gold |
3% of Balance |
8.65% |
14.00% |
| VISA Platinum |
2% of Balance |
6.45% |
12.00% |
| C.A.R.E. VISA |
3% of Balance |
10.65% |
16.00% |
| * Variable rate information: Annual Percentage Rates (APR) are determined monthly by adding 2.45% for Platinum, 4.65% for Gold, and 6.65% for Classic to the Prime Rate as published in the Wall Street Journal on the last business day of the previous month |
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IMPORTANT INFORMATION
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Grace period for repayment for purchases
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25 Days
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Method of computing the balance for purchases
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Average daily balance including new purchases
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Annual fee
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None
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Late pay fee
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$25 if payment is received 10 days after payment is due
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Over limit fee
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$25 each month you are 5% or more over your authorized limit
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The information about the costs of the card(s) described in this offer are accurate as of 08/01/2006. This information may change after that date. To find out what may have changed, call us at 888-982-1400 or write us at: United Federal Credit Union, 2807 S. State Street, St. Joseph, MI 49085. A $10 replacement fee may apply for lost cards. The Prime Rate used to determine your APR is the rate published in The Wall Street Journal on the last business day of the prior month. A rate change will take effect the first day of your next billing cycle.
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VISA Classic
- Credit limits from $500
- $250,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Classic card.
- Monthly payment is 3% of outstanding balance or $20, whichever is greater
VISA Gold
- Credit limits from $5,000
- Earn valuable CardPerks reward points with your purchases. Earn 1 point for every 2 dollars you spend. Use points toward round-trip tickets on major airline carriers, cruise vacations, hotel packages, car rentals, and various merchant gift cards and certificates of your choice.
- $400,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Gold card.
- Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Gold.
- Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Gold card.
- Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
- Monthly payment is 3% of outstanding balance or $20, whichever is greater
- Added purchasing power with credit limits from $10,000 to $50,000
- Earn valuable CardPerks reward points with your purchases: every dollar spent equals one point toward round-trip tickets on major airline carriers, cruise vacations, hotel packages, car rentals, and various merchant gift cards and certificates of your choice.
- Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Platinum.
- Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Platinum.
- $500,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Platinum card.
- Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
- Monthly payment is 2% of outstanding balance or $20, whichever is greater
VISA Platinum Equity
You can now use your VISA Platinum Equity card like a credit card while enjoying the benefits of tax-deductible interest. Click here for more details.
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