Visa Platinum
Visa offers convenience, security and peace of mind. Visa is accepted worldwide, so no matter where you are, in an emergency, your Altura Visa can be there.
The Altura Visa is superior to other Visa’s because you are getting your credit card through a Credit Union. Altura offers better rates, lower fees, and more flexibility to your credit line.
Skip A Payment – When you need extra cash
The Altura Visa automatically comes with Skip A Pay built in. So long as your account is in good standing, Altura will automatically let you skip your Visa payment in January, August and September. If you don’t want to skip your payment these months, just make your normal payment.
Apply Online
Apply online for your Visa Credit Card.
INTEREST RATES AND FEES FOR PURCHASES UNDER THIS CREDIT CARD ACCOUNT – The following information is provided pursuant to the Federal Fair Credit and Charge Card Disclosure Act/Regulation Z
| Interest Rate and Interest Charges | |
| Annual Percentage Rate (APR) For Purchases | 10.99% After that, your APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) Balance Transfers | 10.99% After that, your APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) For Cash Advances | 10.99% After that, your APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 19.99% The Margin that will be applied to Your Account is 16.74% (current corresponding APR 19.99%) if:
How long will the Penalty APR apply? If Your APRs are increased for any of these reasons, the Penalty Margin and APR will apply until You make 6 consecutive minimum payments when due. |
| Variable Rate Information | Your APR for purchase transactions my very. The rate is determined on the last day of the calendar quarter by adding 5.74% to 7.74% to the Prime Rate published in the Wall Street Journal. The penalty fee is determined by adding 16.74% to the Prime Rate. |
How to Avoid Paying Interest on Purchases |
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 eintire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | If You are charged interest, the charge will be no less then $0.50 |
| 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 website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees |
Annual Fees |
None |
Transaction Fees Foreign Transaction Cash Advance Fee |
1.00% of each transaction in U.S. Dollars. 3.00% of each cash advance. |
Penalty Fees Late Payment Returned Payment |
Up to $10.00 after 10 days. Up to $25.00. |
* How We Will Calculate Your Balance: We used a method called "average daily balance" (including new purchases.
