VISA® Credit Cards

Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings and the benefits of a University Health FCU VISA® Classic Card.

Click here to apply or click here to view our credit card agreement.

Interest Rates and Interest Charges VISA® Classic
Annual Percentage Rate (APR) for Purchases 10.50%
APR for Cash Advances 10.50%
APR for Cash Transfers 10.50%
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of the billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, the website of the Consumer Financial Protection Bureau at

Transaction Fees

  • Foreign Transaction Fee


Penalty Fees

  • Late Payment Fee
  • Returned Payment Fee

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance.
We use a method called "average daily balance (including new purchases)."

Effective Date.
The information about the costs of the card described in this application is accurate as of February 15, 2011. This information may have changed after that date. To find out what may have changed, contact us.

Other Disclosures

Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Rush Fee: $25.00

Card Replacement Fee: $10.00

*Qualification is based on an assessment of creditworthyness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Access your Visa Credit Card account online! Log on to today! On this site you can:

Click here to report a lost or stolen University Health FCU VISA® credit card.