VISA® Credit Cards

Choose from a variety of convenient credit card options at Pinnacle Credit Union. Whether shopping at the mall or online, Pinnacle’s VISA® credit card is the secure way to get what you need.

VISA® Classic Credit Card

VISA® Gold Credit Card

A premium option that offers outstanding benefits at an attractive rate and low annual fee. Take a look!

Each purchase earns you VISA® ScoreCard points.

To apply For a PCU Visa click here.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

VISA Classic
13.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% when you open your account, based on creditworthiness.

APR for Cash Advances

VISA Classic
13.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% when you open your account, based on creditworthiness.

APR for Balance Transfers

VISA Classic
13.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% when you open your account, based on creditworthiness.

Paying Interest

We will begin charging interest on purchases on the transaction date.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set-up and Maintenance Fees
- Application Fee

$25.00 (one-time fee)

Transaction Fees
- Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to 10.00
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 January 31, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee: $10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a payment.

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

Statement Copy Fee: $5.00

Rush Fee: $25.00

PIN Replacement Fee: $3.00

Card Replacement Fee: $5.00

Unreturned Card Fee: None

Pay-by-Phone Fee: $8.00

Verified By Visa
Your Visa card is now protected by Verified by Visa -- it password protects your card for free when you shop online. The next time you shop at participating online stores, you'll see some new screens. Enter the information requested to activate your card in order to complete your transaction. It only takes a moment, and then your card will have password protection whenever you shop online. Shop online with greater security at participating stores.

Click here to learn more about Verified by Visa or to enroll in this program. Inquiries, regarding Verified by Visa, should be directed to 1-800-857-3118 for assistance from a specially trained VBV representative.

Manage your ScoreCard points

View Card Terms and Conditions