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Rates

Compare Cards
Card Type Annual Percentage Rate (APR) for Purchases, Balance Transfers, Cash Advances Annual Fee
Platinum 9.9% APR $0
Prestige 12.9% - 17.9% APR* $19 Annually
Classic 13.9% - 17.9% APR* $0
Share Secured1 11% APR $0

Penalty Rate

18% APR
This APR will apply when the required minimum payment is not made by its due date for two consecutive billing cycles. Penalty rate will remain in effect until I have made six consecutive on-time payments.

Paying Interest

Your due date is 25 days after the close of the billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month.

Minimum Interest Charge

None

For Credit Card Tips from the Federal Reserve Board

Learn more about factors to consider when applying for or using a credit card.

Penalty Fees
Fee Type Fee Amount
Late Payment $10
Overlimit Fee $0
Returned Payment $20

Other Fees

  • Transaction Fees (Balance Transfer Fees, Cash Advance Fees): $0
  • Foreign Transactions: 1% of each transaction in U.S. Dollars

How we calculate your balance

We use a method called “Average Daily Balance.” Information subject to change. Please contact the credit union at 800.222.7455 for current information.

*Rate based on creditworthiness

1Shares to Secure Credit Card (applies to Share Secured credit card): Must secure 125% of credit line in a Cabrillo Share Account