Credit Cards

Expand your purchasing power!

Platinum Visa^® with Rewards

3.99% APR* introductory rate on new purchases
6.99% APR* introductory rate on balance transfers
Perfect for members who pay off their balance each month
Fixed rates starting at 8.9% APR*
Earn one rewards point for every dollar you spend
Redeem rewards points for airline tickets, cruises, hotel rooms, rental cars or tons of great merchandise
Contact us to learn more about our Rewards program. Earning rewards already? Redeem your points at www.curewards.com or call 1.800.900.6160.

Platinum Visa

3.99% APR* introductory rate on new purchases
6.99% APR* introductory rate on balance transfers
Ideal for members who maintain a balance each month
Low, fixed rates starting at 7.9% APR*

* Please see the Platinum Visa with Rewards and Platinum Visa tabs below for additional rates, fees and other cost information. The balance transfer offer is open to existing OnPoint credit card accounts but excludes existing OnPoint loans and lines. All terms, including APRs and fees, may change as permitted by law and OnPoint’s Visa Credit Card Agreement.

The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.

Platinum Visa with Rewards
Platinum Visa
Account Extras
FAQ


Platinum Visa^® with Rewards¹Effective: August 20, 2010

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases	3.99% Introductory period for 6 months After that, your APR will be 8.9%-17.9% based on your credit worthiness
APR for balance transfers	6.99% Introductory period for 12 months After that, your APR will be 10.9%-17.9% based on your credit worthiness
APR for cash advances	10.9%-17.9% based on your credit worthiness
Penalty APR, when it applies	17.9% - This APR may be applied to your account if:
	Your minimum monthly payment is more than 60 days late You have more than one late payment in 12 months You are in default of any other terms of the Visa Credit Card Agreement.
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 any interest on the portion of the purchases balance that you pay by the due date each month.
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
Annual Fees	None
Transaction Fees	None
Penalty Fees
Late Payment Fee	$25 for balances >$1000 $20 for balances $100-$1000 $10 for balances <$100
Returned Item Fee	$25
Other Fees
Foreign Transaction Fee	Up to 2% of the US dollar amount of the foreign transaction
¹How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases) We reserve the right to amend the VISA Credit Card Agreement as permitted by law.


Platinum Visa^®¹Effective: August 20, 2010

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases	3.99% Introductory period for 6 months After that, your APR will be 7.9%-16.9% based on your credit worthiness
APR for balance transfers	6.99% Introductory period for 12 months After that, your APR will be 9.9%-17.9% based on your credit worthiness
APR for cash advances	9.9%-17.9% based on your credit worthiness
Penalty APR, when it applies	17.9% - This APR may be applied to your account if:
	Your minimum monthly payment is more than 60 days late You have more than one late payment in 12 months You are in default of any other terms of the Visa Credit Card Agreement
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 any interest on the portion of the purchases balance that you pay by the due date each month.
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
Annual Fees	None
Transaction Fees	None
Penalty Fees
Late Payment Fee	$25 for balances >$1000 $20 for balances $100-$1000 $10 for balances <$100
Returned Item Fee	$25
Other Fees
Foreign Transaction Fee	Up to 2% of the US dollar amount of the foreign transaction
¹How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases) We reserve the right to amend the VISA Credit Card Agreement as permitted by law.