All annual percentage rate (APR) are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate. Fixed APRs are fixed for the term of the loan. Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share account in order to join RFCU. Minimum balance of $5.00 is required to open and maintain share account. Must have online banking username and PIN/password to access online application. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.
§Visa Traditional Introductory Offers
The Introductory 0% APR for purchases will apply through the end of the 6th billing cycle after the account is opened for all purchases posted to the account within the same period. The Introductory 0% Annual Percentage Rate for Balance Transfers will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. Standard fixed or variable APRs apply to Balance Transfers made after 30 days of account opening. Your introductory Purchase and Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APRs will revert to the fixed or variable APR in affect at the time.
Important Information about ‘Grace Period’ for the Purchase and Balance Transfers Visa Traditional Offers
Purchase 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Purchases made throughout the six-month promotional period from the date of account opening. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR(s) for any remaining balances for Purchases.
Balance Transfer 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR (s) for any remaining balances. Cardholders may accrue finance charges at the standard variable or fixed APR(s) for Balance Transfers posted to the account after 30 days of an account open date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.
*As of July 1, 2016 , the APR for Visa Traditional (Fixed) is 18.00% APR and fixed for the term of the loan.
As of March 28, 2016 , the Visa Traditional (Variable) has APRs as low as 7.50% , the Share Secured Visa APR is as low as 12.00% , APRs may vary. Please contact RFCU for more information.
**Promotional rates do not apply.
***The Share Secured Visa Traditional-Must be RFCU primary member to apply. No joint account owners or beneficiaries are permitted. Co-borrowers are not permitted. Up to three authorized users may be named. Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in account must equal credit limit, will not earn dividends, and must remain in the account. No withdrawals are permitted unless account is paid in full. No over-drafting allowed. Deposits are limited to initial deposit and approved credit limit increases.
†Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive discounts. RFCU and participating merchants are separate entities. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.
1Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details. Visa’s Zero Liability policy covers U.S-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. RFCU and Visa USA are separate entities. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.