Credit Cards
Visa Credit Card
Complete an online Visa Application. (Requires verification of pay)
No annual fee
Competitive interest rates ranging between 8.90% and 17.75% APR*
Pay off your balance within the 25-day grace period and owe no interest at all
No cash advance fee
Already Have an STCU Credit Card?
If you have had your credit card with us for at least one year, apply to raise your limit or see if you can get an even better interest rate!
Competitive interest rates ranging between 10% and 17.75% APR*
Visa Online
Check current balance, available credit, credit limit, cash advance limit, payment due date, minimum payment, recent transaction history, and last received payment
Make payments from STCU and/or foreign accounts
Set up recurring payments
Receive online statements
Credit Card Rates & Fees
Current as of October 2016
| Interest Rates | Interest Charges |
|---|---|
| Annual Percentage Rate (APR*) for Purchases | 5.00% to 17.75% when you open your account, based on your creditworthiness |
| APR* for Balance Transfers | 5.00% to 17.75% when you open your account, based on your creditworthiness |
| APR* for Cash Advance | 5.00% to 17.75% when you open your account, based on your creditworthiness |
| 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. |
| 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 website of the Federal Reserve Board. |
Fees
| Transaction Fees: | |
|---|---|
| Balance Transfer | None |
| Cash Advance | None |
| Foreign Transaction | Non-Conversion 0.08% -- Conversion 2.00% |
| Penalty Fees | |
| Late Payment | Up to $25.00 |
| Over-the-Credit Limit | $0.00 |
| Returned Payment | $30.00 |
| Other Fees | |
| Application Fee | $35.00 |
| Visa Change Request | $10.00 |
| Replacement Card Fee | $15.00 |
| Stop Payment Fee | $40.00 |
| Payment Protection | Ask credit union for more details |