VISA® Credit Card Account Rates

  VISA Platinum Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.9%, 12.9%, 14.9%, 16.9%
APR for Balance Transfers 9.9%, 12.9%, 14.9%, 16.9%
APR for Cash Advances 9.9%, 12.9%, 14.9%, 16.9%
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 or cash advances 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 Web site of the Consumer Financial Protection Bureau at
  VISA Platinum Fees
Annual Fee None
Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction
Pay By Phone


Up to 1% of each transaction in US Dollars
Up to $10.00

Penalty Fees
Late Payment
Over-the-Credit Limit
Returned Payment
NSF Convenience Check
Up to $20.00
 Up to $30.00 if opted into this service
 Up to $15.00
 Up to $15.00
Other Fees Statement Copy Fees
Rush Fees
Card Reissue Fee




$10.00 after one free annually

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

The information about the costs of the VISA Credit Cards described above is accurate as of January 1, 2016. This information may change after that date. To find out what may have changed please call APCU's VISA Department at (800) 849-8431 or write us at 515 Mulberry Street, Suite 100, Macon, GA 31201-6306. APCU will review your credit history, income and other information you provide to determine the maximum credit line available for your account and the credit card rate for which you qualify.

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