Our Credit Card program gives you the purchasing power of the VISA logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials. For details and the terms and conditions of this account, click here.
Apply Now using our online application system.
IMPORTANT DISCLOSURE INFORMATION
|
Annual Percentage Rate
for Purchases -
VISA Classic Tier II -$5000 limit
VISA Premium Tier II -$15000 limit
VISA Classic Tier I -$5000 limit
VISA Premium Tier I -$15000 limit
VISA Premier - $15000 limit
|
VISA Classic Tier II - 16.50%
VISA Premium Tier II - 17.75%
VISA Classic Tier I - 12.75%
VISA Premium Tier I - 12.75%
VISA Premier Fixed - 9.99%
|
Other Annual Percentage
Rates |
Balance Transfers - Various
introductory rate are available. Call
the Credit Union for details.
Default Purchase Rate - If you are
late making a payment any intro-
ductory rate will terminate and the
standard Annual Percentage Rate
for purchases will apply to your
balance transfers.
Cash Advance - 17.00% for
all accounts. |
| Variable Rate Information |
Your standard Annual Percentage
Rate for purchases may vary and is
determined by adding a margin to
the Prime Rate.**
VISA Classic Tier II - plus 9.00%
VISA Premium Tier II - plus 10.25%
VISA Classic Tier I - plus 5.25%
VISA Premium Tier I - plus 5.25%
|
Grace Period for Repay-
ment of Purchases |
25 days when you pay the balance
in full each month. |
Method of computing
balance for purchases |
Average Daily Balance, including
purchases |
| Cash Advance Fee |
$5.00
|
| Over Limit Fee |
$30.00
|
Late Fee: $30.00 if your payment is not received by due date; Card
Replacement fee $10.00; Copy of Statement/Draft $10.00; Rush Card
order $20.00; Return Check Fee $30.00
**The Prime Rate is the highest rate of interest listed as the "Prime
Rate" in the money section of the Wall Street Journal on the 22nd day
of each month if a business day, if not, on the next business day.
Your ANNUAL PERCENTAGE RATE will increase of decrease when
the prime rate changes. An increase in the ANNUAL PERCENTAGE
RATE may increase your monthly payment.
The information about the costs of the card described in the application
is accurate as of 12/2007. This information may have changed after
the date. To find out what may have changed, call 203-426-5056. Or
you may write to: Western Connecticut Federal Credit Union, VISA
Department, 15 Berkshire Road, Sandy Hook, CT 06482. |
