CLASSIC OR PLATINUM VISA CREDIT CARDS

• No Annual Fee
• 25 Day Grace Period before interest accrues.
• Monthly Payments 3% of Balance or $25 (Whichever is greater.)
• World wide Acceptance at Locations for Visa.
• Credit life & Credit Disability Insurance Protection Available.
• Cash Advances available.
• Low...Low...Annual Finance Rate.
• The annual percentage rate will not exceed 18% regardless of increases in the prime rate.  All VISA accounts will be subject to a uniform annual percentage rate.Credit Limits:  The maximum limit on a VISA Credit Card account shall be $10,000.  The minimum limit on a VISA credit card account shall be $500.
• Requirements for Submitting a Loan Application
• Applicant must be a member of the credit union and have an account in good standing.
• Applicant must complete an application in detail.  An updated application may be required annually or at the time an increase in credit limit is requested.
• Applicant must have a minimum of 6 months of employment at the current job to be eligible.
• Applicant must furnish evidence of amount of income from the most recent pay period.  Pay check, or wage statement.Self-employment of any individual applying for a loan requires additional information.  Verification of profit and loss statement for the business for the previous 3 years is required.
• Applicant may be required to furnish a Co-maker. 
• Records of unpaid collections or unpaid legal civil suits shall be grounds for refusal. 
• International Transaction Fee...1%
• Late Payment Fee...................$25
• Over-the-Credit Limit Fee.......$25

More details listed under rates page.