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VISA Credit Cards

Our VISA Classic, Gold and Platinum credit cards are designed with you in mind. We’ve combined attractive rates with money saving features that distinguish our card programs from competitors. You can count on convenience and consistent value from your VISA Classic, Gold or Platinum card from Your Community Credit Union.

All of our credit cards feature the following common benefits:

Low interest rates, with the choice of variable or fixed rates
NO annual fees
25 days of interest-free grace period on your purchases
Low minimum payments
Easy balance transfers, with no fee or higher interest rate
NO cash advance fees
Low cost credit protection insurance
The convenience of automatic payment: no need to think about sending a check, no worrying about late fees!
For ultimate card convenience, all Your Community Credit Union VISA cards can also be used in nationwide networks of Automated Teller Machines (ATMs). You’ll enjoy access for cash withdrawals and deposits to your Your Community Credit Union checking or savings accounts, or use it to obtain cash advances on your VISA account.
Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. Click here for details.

Verified by Visa

IMPORTANT INFORMATION
Credit Card	VISA Classic	VISA Gold	VISA Platinum
Annual Percentage Rate (APR) for Purchases	12.65% Variable 15% fixed	10.65% Variable 13% fixed	8.45% Variable 11% fixed
Other APRs for Cash advance and balance transfers	12.65% Variable 15% fixed	10.65% Variable 13% fixed	8.45% Variable 11% fixed
Variable rate information	Your APR may vary. The rate is determined monthly by adding 6.65% to the Prime Rate* for Classic, 4.65% for Gold and 2.$5% for Platinum.
Grace period for repayment for purchases	25 Days
Method of computing the balance for purchases	Average daily balance including new purchases
Annual fee	None
Late pay fee	$25 if payment is received 10 days after payment is due
Over limit fee	$25 each month you are 5% or more over your authorized limit
The information about the costs of the card(s) described in this offer are accurate as of 01/06/2005. This information may change after that date. To find out what may have changed, call us at 888-982-1400 or write us at: Your Community Credit Union, 2807 S. State Street, St. Joseph, MI 49085. A $10 replacement fee may apply for lost cards. The Prime Rate used to determine your APR is the rate published in The Wall Street Journal on the last business day of the prior month. A rate change will take effect the first day of your next billing cycle.

VISA Classic

Credit limits from $500
$250,000 Travel Accident Insurance on travel purchased with your Your Community Credit Union VISA Classic card.
Monthly payment is 3% of outstanding balance or $20, whichever is greater

VISA Gold

Credit limits from $5,000
$400,000 Travel Accident Insurance on travel purchased with your Your Community Credit Union VISA Gold card.
Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Gold.
Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Gold card.
Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
Monthly payment is 3% of outstanding balance or $20, whichever is greater

VISA Platinum

Added purchasing power with credit limits from $10,000 to $50,000
Earn valuable CardPerks reward points with your purchases: every dollar spent equals one point toward round-trip tickets on major airline carriers, cruise vacations, hotel packages, car rentals, and various merchant gift cards and certificates of your choice.
Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Platinum.
Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Platinum.
$500,000 Travel Accident Insurance on travel purchased with your Your Community Credit Union VISA Platinum card.
Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
Monthly payment is 2% of outstanding balance or $20, whichever is greater

VISA Platinum Equity

You can now use your VISA Platinum Equity card like a credit card while enjoying the benefits of tax-deductible interest. Click here for more details.

Call toll free at 1-866-824-4552 to redeem your points.
For a point redemption grid, click here!

CLICK here for On-Line Credit Card Application