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OnPoint Community Credit Union
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Credit Cards

Expand your purchasing power!
 
Platinum Visa® with Rewards
Platinum Visa
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* Please see the Platinum Visa with Rewards and Platinum Visa tabs below for additional rates, fees and other cost information. The balance transfer offer is open to existing OnPoint credit card accounts but excludes existing OnPoint loans and lines. All terms, including APRs and fees, may change as permitted by law and the OnPoint Visa Credit Card Agreement.

The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.

The following are credit card agreements and pricing addendum's for credit card programs no longer offered:
Fixed-Rate Platinum Visa Agreement and Pricing Addendum
Fixed-Rate Platinum Visa with Rewards Agreement and Pricing Addendum
Fixed-Rate Platinum Visa Cash Rebate Agreement and Pricing Addendum
 

Platinum Visa® with Rewards1Rates Effective: 4/19/2014
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 3.99% for introductory period of 6 months
After that, your APR will be 6.9%-16.9% based on credit worthiness. This APR will vary with the maket based on the Prime Rate.
APR for Balance Transfers 6.99% for introductory period of 12 months
After that, your APR will be 8.9%-18.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 8.9%-18.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR 3.0% above current Interest Rate - This APR may be applied when:
 
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement
  How long will the Penalty apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees  
Annual Fees None
Transaction Fees  
  • Foreign Transaction Fee
Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees  
  • Late Payment Fee
$25 for balances >$1000
$20 for balances $100-$1000
$10 for balances <$100
  • Returned Check Fee
$25
  • Card Replacement Fee
$5
1How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases)

Minimum Payment: 2% of outstanding balance or $10.00, whichever is greater.

We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law. The above rates and fees are current as of