VISA® Credit Cards
At Savannah Postal Credit Union, we offer the VISA® credit card. Our credit cards offer convenience and buying power as well as low cost. Savannah Postal Credit Union can help you establish a VISA® Classic Credit Card. With our VISA Classic Credit Card you will spend less on fees and interest charges. You'll enjoy the following benefits:
- No annual fee
- No minimum finance charges
- 25-day grace period
- No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
- Optional life and disability insurance available at low rates
Please click here to report a lost or stolen Savannah Postal CU VISA® Classic credit card or click here for the credit card payoff calculator.
| Annual Percentage Rate (APR) for Purchases | 11.50%, 15.00%, or 18.00% - When you open your account, based on your creditworthiness |
| APR for Cash Advances | 11.50%, 15.00%, or 18.00% - When you open your account, based on your creditworthiness |
| How to Avoid Paying Interest on Purchases | Your due date is 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. |
| Minimum Interest Charge | NONE |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees | |
| Transaction Fees | |
| Foreign Transaction | NONE |
| Penalty Fees | |
| Late Payment | $15.00 |
| Returned Payment | $20.00 |
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 March 1, 2016.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
Application Fee: $15.00
Late Payment Fee: 15.00/$20.00 (if you are more than 15 or more days late)
Statement Copy Fee: $2.00
Document Copy Fee: $2.00
Ruch Fee: $25.00
Emergency Card Replacement Fee: $15.00
PIN Replacement Fee: $5.00
Card Replacement Fee: $10.00
