Visa® Rates

At California Coast Credit Union, our Visa Platinum and Visa Platinum Choice Rewards let you enjoy your spending power, take advantage of our lower rates and pay off your higher interest credit cards at the same time! With our Visa Platinum and Visa Platinum Choice Rewards, anything is possible!

Rates effective: 4/24/2014

Visa Platinum and Visa Platinum Choice Rewards
Credit Card Disclosure Summary

(including Visa Platinum Student and Visa Platinum Secured)
Rates are accurate as of 02/01/2013 and may change after this date.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.99% to 15.99% Visa Platinum
11.99% to 16.99% Visa Platinum Choice Rewards
13.99% Visa Platinum Student
15.99% Visa Platinum Secured
Actual rate determined when you open your account, based on your creditworthiness. After that, the APR will be non-variable.
Annual Percentage Rate (APR) for Cash Advances 12.99% to 17.99% Visa Platinum
13.99% to 18.99% Visa Platinum Choice Rewards
13.99% Visa Platinum Student
15.99% Visa Platinum Secured
Actual rate determined when you open your account, based on your creditworthiness. After that, the APR will be non-variable.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 Fee $20 Visa Platinum Secured
Transaction Fees
· Balance Transfer:


· Cash Advance:


· Foreign Transaction:

Visa Platinum and Visa Platinum Choice Rewards
3%
of Advance ($5 Minimum and No Maximum)

All Visa Cards
3%
of Advance ($5 Minimum and No Maximum)

All Visa Cards
Visa charges a 1% International Service Assessment fee for Multiple Currency Conversion Rate adjustments. If there is no currency conversion, Visa charges a 0.8% Single Currency Conversion Rate adjustment fee.
Penalty Fees
· Late Payment:

$10 (if 10 or more days late)
Other Fees
· Card Replacement:

$5

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your credit card agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

*All information is accurate as of February 1, 2013 and is subject to change without notice. For current rates and terms, please contact California Coast Credit Union at (858) 495-1600 or (877) 495-1600. All loans subject to approval.