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Visa Signature Rates and Terms

Interest Rates and Charges

Annual Percentage Rate (APRs) for purchases

Variable Rate Program

to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Variable Rate Program

to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Variable Rate Program

to when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.

Penalty APR and when it applies

No penalty rate will be applied.

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 you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charges

$0

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau.

Fees

Annual Fee

$0

Transaction Fees

Balance Transfer Fee

$0

Cash Advance Fee

$0 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location.

Foreign Transaction Fee

$0

Penalty Fees

Late Payment

Up to $15

Over-the-Credit Limit

$0

Returned Payment

Up to $22

Other Fees

Redwood Rewards

$0

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.

Rates are effective November 26, 2022 and are subject to change without notice.