RCU Visa® Interest Rates, & Fees
Rates are and subject to change without notice.
Apply online and receive a decision in minutes.
| INTEREST RATES AND CHARGES | ||
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | Non-Variable Rate Program | 8.99% to 9.99% when you open your account, based on your credit worthiness |
| Variable Rate Program | 9.49% to 17.99%when you open your account, based on your credit worthiness. After that your APR will vary with the market based on the prime rate. | |
| Annual Percentage Rate for Cash Advances | Fixed Rate Program | 11.99% 12.99% when you open your account, based on your credit worthiness |
| Variable Rate Program | 12.49% to 20.99% when you open your account based on your credit-worthiness | |
| Penalty APR and when it applies | No penalty rate is charged | |
| FEES | |
| Annual Fees | $0.00 |
| Transaction Fees | |
|
$0.00 |
|
$0 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location. |
|
1% of each transaction in US dollars |
| Penalty Fees | |
|
$15.00 |
|
$0 |
|
$22.00 |
| Other Fees | |
|
$35 |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
Some restrictions may apply. For more information, please call 1 (800) 479-7928. For full Visa Credit Card Terms, see the RCU Visa Credit Agreement. 
For more information, to find out if terms have changed, or to apply for an RCU Visa® please call 1 (800) 479-7928 or apply online now.
Rates are . All rates, terms and special offers subject to change. Certain restrictions apply. For transactions ocurring outside the UE, a 1% fee will apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. VISA introductory rates listed will remain in effect for the first 6 months following the opening of our account.
Redwood Credit Union Member deposit accounts are Federally insured up to $250,000 by the National Credit Union Administration (NCUA).
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