You'll always get:
This card provides the same great benefits and low APR as our Visa Classic Credit Card.
The available credit balance on the card is entirely secured by money in your RVCCU Savings account.
Who this card is for:
Confused about a term? Click the + for an explanation.
|Platinum||Classic||Secured Toggle Secured Card Explanation + -
The credit limit on our secured card is backed by your savings account. The savings balance is held as collateral. Your credit limit will be based on both your credit history and the amount deposited in the account.
|Annual Percentage Rate Toggle APR Explanation + -
The annual percentage rate (APR) is the interest rate charged on credit card balances expressed as an annualized amount. This rate is applied each month that an outstanding balance is present.
|9.99% APR||13.50% or 16.50% APR||13.50% or 16.50% APR|
|Rate Type Toggle Rate Type Explanation + -
A non-variable annual percentage rate doesn't change throughout the year, unlike a variable APR that goes up and down with an index rate, such as the Prime Rate. The rate my still change, but it will be less often and you will receive a notice beforehand.
|Rate After Introductory Period Toggle Introductory Rate Explanation + -
Many credit cards offer an low introductory, or teaser, rate that will only increase after a certain amount of time.
|Rate After a Late Payment Toggle Late Payment Rate Increases Explanation + -
Other credit card companies often punish late payments by raising the APR.
|Credit Limit Toggle Credit Limit Explanation + -
The credit limit is the amount of money that can be charged to a credit card.Your RVCCU credit limit will be determined by your credit history and card type.
|Annual Fee Toggle Annual Fee Explanation + -
Some other credit card companies charge a fee each year for using their credit card, in addition to the interest rate on purchases.
|Balance Transfer Fee Toggle Balance Transfer Fee Explanation + -
Many other card companies charge a fee to move a balance from another card to their card.
|Over-limit Fee Toggle Over-limit Fee Explanation + -
An over-limit fee is a charge applied by some card companies when your balance goes over your credit limit.
|Late Payment Fee Toggle Late Payment Fee Explanation + -
A late payment fee is an amount charged to you if you don't make at least your minimum payment by the due date.
|$0||up to $25||up to $25|
|Travel Accident Insurance Toggle Travel Accident Insurance Explanation + -
Whether you're traveling across the country or around the world, you and your family are automatically covered by our no cost Travel Accident Insurance when you use your RVCCU Visa Credit Card to purchase your travel tickets.
|Credit Life and/or Disability Insurance Toggle Credit Life Insurance Explanation + -
Credit disability and credit life insurance through CUNA Mutual Group may help reduce or pay off your covered loan, up to the policy maximum, in the event of a covered life event, injury, illness or death.The monthly premium will be added to your loan payment.
Coverage is designed to fit your lifestyle, is totally voluntary, won't affect your loan approval, and it's simple to apply.
You can sign up for credit insurance at any time after your loan/credit card approval.
All credit cards are subject to credit approval. Please contact one of our Financial Service Representatives for more details.
Credit card holders can view their balance, credit limit, and make payments by account transfer using eValley. For more detailed online account access, Visa EZCardInfo is available. After signing up, you can view your balance and transactions, see statements, make payments, sign up for alerts, and more.
You can have your payments automatically deducted from your RVCCU Checking or Savings Account by stopping by a branch or printing and returning the Visa Auto Pay Application to us.
Sign up for Verified by Visa for more protection when you shop online.