CCCU VISA Platinum and Platinum Preferred

Have you checked the Annual Percentage Rate on your credit cards lately? One of the benefits of membership is low, low rates on VISA credit cards – All the time, not just as an introductory rate to get you in the door.

Our members enjoy the prestige of Platinum and you can too! Along with great rates, our VISA cards come with all the bells and whistles:

  • Zero Annual Fees
  • Zero Balance Transfer Fees
  • Built in Fraud Protection
  • Built in Payment Protection
  • Low Annual Percentage Rates at 8.95% APR for Platinm Preferred and 12.84% APR for Platinum
  • Platinum Preferred cardholders earn points to use on merchandise or travel!

We also offer low balance cards for building credit, online purchases or sending your student off to college with a low spending limit.

Stop in and pick up an application in our offices today or call us at (906) 632-3134 for more information.

 
Chippewa County Credit Union: VISA Platinum and Platinum Preferred Rates and Fees 

Interest Rate & Interest Charge

Platinum

Platinum Preferred

Annual Percentage Rate (APR) for Purchases

12.84%

8.95%

APR for Balance Transfers

12.84%

8.95%

APR for Cash Advances

12.84%

8.95%

Penalty APR & When it Applies

None

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

 

Fees

Platinum

Platinum Preferred

Annual Fee

None

None

Transaction Fees

Balance Transfer

Cash Advance

Foreign Transaction

 

 

None

None

1% of each transaction in U.S. dollars

 

None

None

1% of each transaction in U.S. dollars

Penalty Fees

Late Fees

Over-the Credit Limit

Returned Payment

 

 

Up to $20.00

None

Up to $15.00

How we calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Platinum: The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rateof 1.07% which is an ANNUAL PERCENTAGE RATE of 12.84% to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Chargewill be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later,and will otherwise be calculated in the same manner as explained above for Credit Purchases.

A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current full or until the date of payment if more than 25 days from the closing date.

Platinum Preferred: The Finance Chargefor a billing cycle is computed by applying the monthly Periodic Rate of .746% which is an ANNUAL PERCENTAGE RATEof 8.95%to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Chargewill be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later,and will otherwise be calculated in the same manner as explained above for Credit Purchases.

Click HERE for eTeller Troubleshooting Information.

Important Numbers

AVA Toll Free: 877.811.8227
VISA Lost/Stolen US: 855.256.9752                                                                                                                                                                                       VISA Lost/Stolen International: 301.287.9906 
Debit Card Lost/Stolen: 877.230.3179
Debit Activation: 866.619.0245
Debit PIN Reset: 877.267.6914
Routing Number: 291173047
Online Bill Pay: 877-314-7833

NMLS Number: 662854

Our Locations

Main Office
402 West Spruce Street
Sault Ste. Marie, MI 49783
PH: 906.632.3134
FAX: 906.632.3137

Kinross Office
4868 West M-80
Kincheloe, MI 49788
PH: 906.495.1161
FAX: 906.495.1163

Click here to email us!

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Important Message from Chippewa County Credit Union

Please note online banking security changes taking place on June 12, 2016. Visit the “Password and Challenge Question Changes” tab in the Menu on our Homepage for more information.

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