The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Click here to view or download a copy of our Loan Rates PDF.
| PRODUCT | DETAILS | APR* (AS LOW AS) |
|---|---|---|
| PLATINUM REWARDS | Rewards Platinum Card | 14.24% Variable |
| CLASSIC STANDARD RATE | Low Rate Classic Card | 15.24% Variable |
| SIGNATURE 1% CASH BACK | Unlimited 1% Cash Back Signature Card | 14.24% Variable |
| SIGNATURE 1.5% CASH BACK | Unlimited 1.5% Cash Back Signature Card | 18.0% Variable |
| CLASSIC FLAT 1% CASH BACK | 1% Cash Back Classic Card | 18.0% Variable |
| CLASSIC REWARDS | Rewards Classic Card | 18.0% Variable |
| PLATINUM LOW RATE | Low Rate Platinum Card | 11.74% Variable |
| * The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Wednesday, January 01, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
We use a method called "average daily balance" (including new purchases).
None
| Interest Rates and Interest Charges | |
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How to Avoid Paying Interest on Purchases |
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Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. |
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Balance Calculation Method |
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We use a method called "average daily balance" (including new purchases). |
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Minimum Finance Charge |
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None |
America First Visa® credit cards don’t have annual fees.
1.5% of amount of advance
Up to $32
Up to 1% of the US dollar amount of the foreign transaction.
None
| Fees | |
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Annual Fee |
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America First Visa® credit cards don’t have annual fees. |
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Cash Advance Fee |
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1.5% of amount of advance |
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Late Payment Fee |
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Up to $32 |
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Foreign Transaction Fee |
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Up to 1% of the US dollar amount of the foreign transaction. |
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Transaction Fee for Purchases |
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None |
Other Information
Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.
Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
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 http://www.consumerfinance.gov/learnmore.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law.
We're Here to Help You
At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.