Classic Visa Credit Card
With a fixed rate of 9.9% APR, you can buy more and worry less.
You won’t need to worry about rising rates once you lock in your APR.
No Annual Fee
As a not-for-profit credit union, we can charge fewer fees.
Customize notifications to get alerts on transactions.
Credit Union Credit Card Rates
|Classic VISA Credit Card
|People who want the security of a competitive fixed rate
– Amanda D., Athens, TN
Classic VISA Credit Card FAQs
Q: What credit score do I need to get a low-rate credit card?
A: You’ll need a credit score of 700+ to get our lowest annual percentage rate (APR) of 9.9% for your Classic VISA. If your credit score is less than 700, you may still qualify for our Scorecard Rewards VISA!
While the APR is fixed, approval for this card is based on factors including:
- Your credit score
- Your debt-to-income (DTI) ratio
- Your overall financial situation and repayment history
Q: What fees do I need to pay for a Classic VISA credit card?
A: Let’s start with fees you don’t need to pay on your low-rate credit card:
- No annual fee
- No balance transfer fee
- No over-limit fee
There’s a late payment fee equal to 5% of your minimum payment due, with a $20 minimum. Luckily, there’s a 25-day grace period for the repayment of your balance for purchases.
There’s also a $0.50 minimum finance charge if you don’t pay off your balance in full each month.
Q: Does Classic VISA come with fraud protection?
A: Yes, to reduce the risk of fraud, our Classic VISA gives you the option to enroll in Visa Purchase Alerts. This free service can notify you when your card is used to make a purchase.
You can also customize the notifications. For example, you could request to be notified only for any purchases over $500 or get a notification for all purchases.
- If you made the purchase, you don’t need to do anything when you receive an alert.
- If you didn’t make the purchase, you can take instant steps to cancel your card, alert your card issuer, and alert the authorities.
Relax With a Fixed-Rate Classic VISA Credit Card
Similar Loan Products
Your signature alone gives you access to cash with our Personal and Unsecured Loan options. Choose from our revolving line of credit, 90-day note, or personal loan.
ScoreCard Rewards VISA
Earn points for every qualifying net dollar you spend then treat yourself to amazing Merchandise, Travel, or Experience rewards! Plus, get an APR as low as 6.0% and no annual fee.
Home Equity Line of Credit
Establish a credit line of up to 80 percent of your home’s appraised equity (up to $100,000), and then enjoy a 20-year loan term with a low interest rate.