Sierra Central Credit Union, SCCU, offers several Visa cards to its members. The Visa Classic is a straightforward, no-gimmick card. You must become a member of SCCU in order to be eligible for any of its credit cards.
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SCCU serves a large part of northern California. In fact, anyone who lives within a 25-mile radius of any SCCU branch is eligible for membership. Many area businesses are also affiliates, and their employees can become members as well.
SCCU Visa Classic Credit Card Account Information
The SCCU Visa Classic credit card has a higher interest rate than most credit cards from credit unions. The APR is 19.99%, and it applies to purchases, cash advances, and balance transfers. There is no annual fee. The credit limit ranges from $1,000 to $5,000.
Unlike most cards, especially from credit unions, there’s no grace period on this credit card. This means that purchases will automatically begin to accrue interest from the day of purchase.
The only positive aspect to this card is that it will serve as overdraft protection to a checking account with SCCU.
However, if you can’t cover the overdraft charges on the card, it can affect your credit score, as cautioned in this article on Main Street.com.
The SCCU Visa Classic credit card also includes free auto rental insurance on vehicles paid for with card.
SCCU Visa Credit Cards
In addition to the Visa Classic card, Sierra Central Credit Union also offers other credit cards. The Visa Platinum and Visa Gold both offer a 25-day grace period. This means that interest doesn’t accrue until the due date if the balance is not paid in full. This allows cardholders to pay off the bill each month without earning interest.
The My First Visa card, designed for young adults opening a credit card account for the first time, has the same rate structure as the Visa Classic. It has 19.99% APR plus no grace period.
The Secure Credit-Builder Visa is set up to help members rebuild credit. It has 22.99% APR and no grace period. This card also requires a certain amount of cash in the credit union to cover the credit limit.
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