The Service Credit Union Visa Gold credit card offers you a lower interest than many credit cards and also works as a rewards credit card. A gold credit card is usually granted to those with great or excellent credit, and the one offered by Service Credit Union is only available to its members.
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Although Service Credit Union is headquartered in New Hampshire, it serves members throughout the world. It offers a number of benefits to its members, including lower interest rates on credit cards.
Service CU Visa Gold Credit Card Terms
With the Visa Gold card from Service Credit Union, your interest rate can be as low as 9.49% and as high as 14.24%, depending on your credit score. You can also shave .35% off of your rate if you sign up for automatic payments and direct deposit option.
The interest rate applies for purchases and cash advances, as well as balance transfers.
You have 25 days to pay your bill in full to avoid interest being applied. There is a 1% fee for cash advances, foreign transactions, and balance transfers. If you pay late or have a payment that is returned, your fee can be as high as $20.
If you are unsure about the different credit card terms, visit the Federal Reserve’s website.
Service Credit Union Membership Eligibility
Service Credit Union has been around since 1957. Although it began serving members of the military, it has expanded to provide financial services to a wider group of individuals. If you live or have a job anywhere in New Hampshire or Sandwich, Bourne, Mashpee, or Falmouth Massachusetts, you are eligible for membership.
You can join the credit union if you are a family member of a current member, no matter where you live, and if you are a member of certain employer groups you are also eligible. Service Credit Union still serves the military all over the world. Any civilian employee or military personnel with the Department of Defense is eligible.
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