VISA Signature Rewards Credit Card Account Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.74% - 21.25%

When you open a VISA Signature Rewards account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

1.99% for the Introductory Period of 12 months (balance transfers in first 90 days). Offer may not be used to pay existing Central Willamette Loans.

After that your APR will be 12.74%-21.25%
After the Introductory Period and for balance transfers after 90 days, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances 12.74%-21.25%

When you open your account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate

How to Avoid Paying Interest on Purchases

Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.

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 at: http://www.consumerfinance.gov/learnmore.

 
Annual Fee

None

Transaction Fees
  • Cash Advance Fee
  • Foreign Transaction Fee

2% of transaction with a minimum of $10
Up to 1% of the US dollar amount of the foreign transaction

Penalty Fees
  • Late Payment Fee
  • Returned Payment Fee

$25

$25 per item

Other Fees
  • Document Copy Fee

$2.50 per statement or receipt request

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

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.