The OnPoint Community Credit Union Platinum Visa credit card has several promotional offers that will keep your monthly payments low. Balance transfers and everyday transactions come with an introductory interest rate period that lasts for six billing cycles. Interest rates vary according to creditworthiness.
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OnPoint Community Credit Union does not appear in the Federal Reserve‘s bi-annual credit card plan survey. However, this is because this financial institution is not large enough to be covered. Other resources, such as the Better Business Bureau, may have more timely and accurate statistics on complaints and customer service. The OnPoint Community Credit Union has a presence in Oregon and Washington states.
OnPoint Community CU Platinum Visa Credit Card Interest
The OnPoint Community CU Platinum Visa APR is variable, at between 7.9% and 16.9% interest. Cash advance and balance transfer purchases are based on credit, varying between 9.9% and 17.9%.
An introductory interest rate for balances transfers of 6.99% is available to new OnPoint Community Credit Union Platinum Visa credit cardholders for the first year.
The introductory interest rate for everyday purchases is 3.99% interest, and it is valid for the six first credit card billing cycles.
Cash advances are available with no extra fees due. There is no yearly maintenance fee on the OnPoint Community CU Platinum Visa card. In addition to a maximum of $25 due in late fees, accountholders who pay their bill after the due date can also be defaulted to the penalty interest rate on the credit card, which is 17.9%.
OnPoint Community CU Platinum Visa Credit Card Details
No rewards or additional incentives come with the OnPoint Community Credit Union Platinum Visa, but most cardholders are only concerned with receiving a phenomenally low APR. Using the OnPoint Community CU Platinum Visa credit card in a foreign country costs customers 2% in foreign transaction fees.
OnPoint Community Credit Union charges credit cardholders $25 for returned payments. The default interest rate can be applied when an accountholder is 60 or more days late, or when a credit card bill is routinely paid late. This is defined as having a history of making late credit card payments one or more times in a year.
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