Get a Service Credit Union VISA® card and use it to lower your interest rate on existing credit card balances, or use it to keep up with rising energy costs. Great features include no annual fee, credit limits up to $30,000 plus rewards and cash back options. Apply today at any branch and walk away with one. Or apply online at servicecu.org or by phone 24/7.
Click here to apply online: Civilian VISA or Military VISA
- Travel & Merchandise Platinum
- Cash Back Gold
- Low Rate Classic
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers |
7.9% - 15.24%
when you open your account based on your credit worthiness, which is a daily periodic rate of .02164 % to .04175%.
This APR will vary with the market based on the Prime Rate. |
| Variable Rate |
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of the month in January, April, July, October of each year as published in The Wall Street Journal Money Rates table. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. |
| Margin |
Purchases, Cash Advances and Balance Transfers will be charged from 4.65% to 11.99% above the Index. |
| Method of computing balance for purchases |
Average daily balance (including new purchases) |
| Annual fees |
None |
| Transaction fee for cash advances |
Up to 1% of the amount of the Cash Advance (FINANCE CHARGE) |
| Transaction fee for purchases |
Up to 1% of the amount of the transaction amount for foreign purchases performed outside the U.S. |
| Balance transfer fee |
Up to 1% of the amount of the Balance Transfer (FINANCE CHARGE) |
| Late-payment fee |
$20.00 |
| Returned check fee |
$20.00 |
| Card replacement fee |
$9.00 |
| Effective Date: The information about the costs of the card described in this application is accurate as of October 1, 2009. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |