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
Stop Payment Fee (Preauthorized Charge) $32.00
Balance Transfer N/A
Cash Advance 2% of the transaction amount
Foreign Transaction Up to 1% of each transaction in US Dollars
Pay By Phone Up to $10.00
Penalty Fees
Late Payment

Up to $25.00 for first occurrence

Up to $35.00 for subsequent occurrences

Over-the-Credit Limit Up to $37.00
Returned Payment Up to $32.00
NSF Convenience Check Up to $32.00
Other Fees
Statement Copy Fees $5.00
Rush Fees Up to $25.00
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).

Consumer Credit Card Agreement and Disclosure

The information about the costs of the VISA Credit Cards described above is accurate as of March 1, 2018. 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.

Military Lending APR

Effective October 3, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.

This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

To receive this notice verbally, please call 1-800-849-2728, option 8, 24 hours a day, 7 days a week.

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