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Parsons Federal Credit Union

Visa Credit Cards

Visa Credit Cards
 Visa Credit Cards Interest Rates & Interest Charges
  Classic & Share Secured Gold Lite Platinum
Annual Percentage Rate
(APR for Purchases) 		13.50% 9.90% as low as 13.50% based on credit score
APR for Balance Transfers 13.50% 9.90% as low as 13.50% based on credit score
APR for Cash Advances 13.50% 9.90% as low as 13.50% based on credit score
Penalty Rate and When it Applies There is no penalty rate.
How to Avoid Paying Interest on Purchases Your due date is at least 23 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.
Minimum Interest Charge There is no minimum interest charge.
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  https://www.consumerfinance.gov/
Fees
Annual Fee None
Transaction Fees
  • Balance Transfer
  • Platinum VISA: $5.00 or 1.00% of the amount of each balance transfer, whichever is greater
    All Other VISA: None
  • Cash Advance
  • Platinum VISA: $5.00 or 1.00% of the amount of each cash advance, whichever is greater
    All Other VISA: None
  • Foreign Transaction
  • Platinum VISA: No transaction fee
    All Other VISA: 1.00% of each transaction in USD
Penalty Fees
  • Late Payment
  • Platinum VISA: 3.00% of the amount of the required minimum payment, if 10 or more days late. Fee will not exceed $29.00
    All Other VISA: 3.00% of payment due or $5.00 whichever is greater
  • Over-the-Credit-Limit
  • Returned Payment
  • None
  • $20.00
Other Fees None
Document Copy Fee: $2.00
Statement Copy Fee: $2.00
Emergency Card Replacement Fee: Up to $160.00
Rush Fee: $75.00 Overnight, or $50.00 Second Day
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). 1

1 Credit card interest charges are calculated using the total amount due on a card at the end of each day. The  average daily balance totals each day's  balance for the billing cycle and divides by the total number of days in the billing cycle.

*As-Low-As Annual Percentage Rate displayed is the lowest rate available on approved credit and Member Plus+ discounts. All loans are subject to approval.