VISA® Credit Card Rates
Charter Oak Federal Credit Union

Effective April 21, 2020

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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 9.25%
APR for Purchases Visa Platinum VISA Platinum 13.99%
APR for Cash Advances Visa Platinum Variable 9.25%
This APR will vary with the market based on the Prime Rate.


Visa Platinum 13.99%

APR for Balance Transfers Visa Platinum Variable 9.25%
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

Fees

Transaction Fees

Balance Transfer Fee: None
Cash Advance Fee: None
Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars

Late 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 April 21, 2020. 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 call our Contact Center at 860.446.8085 or 800.962.3237

or stop by any Charter Oak Branch.

Visa® application and solicitation disclosure
Visa® credit card agreement
Visa® platinum variable account opening disclosure
Visa® platinum account opening disclosure
Visa® balance transfer form

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AUTO LOAN RATES AS LOW AS 2.74% APR**

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