VISA ®

VISA® Credit Card Rates Charter Oak Federal Credit Union

Effective January 21, 2016

Apply Now


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases. Visa Platinum Variable. This APR will vary with the market based on the Prime Rate.

VISA Platinum Variable 9.50%

APR for Purchases Visa Platinum

VISA Platinum 13.99%

APR for Cash Advances

Visa Platinum Variable 9.50%
This APR will vary with the market based on the Prime Rate.


Visa Platinum 13.99%

APR for Balance Transfers

Visa Platinum Variable 9.50%
This APR will vary with the market based on the Prime Rate.


Visa Platinum 13.99%

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance 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 www.consumerfinance.gov/learnmore

Fees

Transaction Fees  
Balance Transfer Fee:

None

Cash Advance Fee: None
Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
Penalty Fees  
Late Payment Fee:

Up to $25.00

Returned Payment Fee: Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date. The information about the costs of the card described in this application is accurate as of January 21, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union at 860.446.8085 or toll free 800.962.3237 (non-local calls).

Other Disclosures  
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee: $25.00
Convenience Check Stop Payment Fee: $25.00
Card Replacement Fee: $25.00 per card

APPLY ONLINE TODAY

or contact our Call Center at 860.446.8085 or 800.962.3237.

or stop by any

Charter Oak branch

Enjoy these great offers!

 

EARN
 

3.00%apy*


ON GO CHECKING

ACCOUNTS


UP TO $10,000, PLUS ATM
FEE REBATES​


 

FIND OUT MORE

 

 

 

 

 

* APY = Annual Percentage Yield

 

EARN
 

2.50%apy*


ON HEALTH SAVINGS

ACCOUNTS (HSAs)


NO SERVICE FEES!
PAY BY CHECK OR DEBIT CARD!


 

FIND OUT MORE

 

 

 

 

 

* APY = Annual Percentage Yield

 

ACCELERATOR MORTGAGES
AS LOW AS

2.49%  /
2.55%apr**


 

FIND OUT MORE

 

 


 

 

** APR = Annual Percentage Rate

 

AUTO LOAN RATES
AS LOW AS

 

2.24%apr**



FIND OUT MORE

 

 

 

 

 

** APR = Annual Percentage Rate