As a member of the SELCO Community Credit Union, you are able to take advantage of the SELCO Visa Platinum credit card. It offers a number of perks, such as no annual fee and low interest rates. Credit unions such as SELCO offer a variety of things that help them stand up to other banks.
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SELCO has been around since 1936 and membership is open to the majority of residents in the western counties of Oregon. Low rates and other features of the Platinum Visa are only part of the package you will receive by being a member of SELCO.
Terms of the SELCO Visa Platinum Credit Card
If you have a great credit score, your APR for the SELCO Visa Platinum card can be as low as 7.25%. Since the rate is based off of your score, it can range from 7.25% to 17.25%. If you have a low credit score and would like to work on increasing it, you should read the articles on this website, as well as this one on the myFICO website.
Your credit limit is also determined by your credit history and income, so it will vary from person to person.
There is no fee for annual credit card membership but there is an over-the-limit fee of $25, a $25 fee for returned payments, and a $15 late fee.
SELCO Visa Platinum Credit Card Benefits
Along with low interest rates, no annual fee, and credit limits tailored to your situation, the Visa Platinum from SELCO Community Credit Union offers additional benefits. If you use the card for travel, there are a couple of perks associated with it.
Although you hope you never have to use it, Visa offers you up to $1 million in travel insurance. It also offers emergency assistance while you are travelling. Additionally, it comes with warranty manager service.
The card is easy to apply for, either in person at a SELCO branch or online through the credit union’s website.
If you don’t live in Oregon and would like to compare other platinum credit cards, you can do so right here for absolutely FREE!
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