The charts below provide important details concerning VCCU credit cards. This data is accurate as of April 1, 2018, but may have changed following that date. For the most recent information, please contact VCCU by calling 805.477.4000 or write to us at: Ventura County Credit Union, 2575 Vista Del Mar Drive, Suite 100, Ventura, CA 93001 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

10.20% - 22.20% (Platinum)
12.20% - 24.20% (Platinum Rewards)
APR when you open your account, based on your creditworthiness.
APR will vary with the market based on the Prime Rate plus margin.

APR for Cash Advances 10.20% - 22.20% (Platinum) 
12.20% - 24.20% (Platinum Rewards)
APR will vary with the market based on the Prime Rate plus margin.
APR for Balance Transfers          10.20% - 22.20% (Platinum) 
12.20% - 24.20% (Platinum Rewards)
APR will vary with the market based on the Prime Rate plus margin.
Variable Rate

The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each calendar quarter (January, April, July and October), to which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of interest You will pay, may increase Your minimum payment and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will chose a new index which is based upon comparable information.

Paying interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For credit card tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit, visit the government's Consumer Finance web site.

 

Fees

Set up and maintenance fees
None

Annual fee None
Account set-up/Issuance/Application fee None
Program fee None
Participation fee None
Account maintenance fee on closed accounts None
PIN replacement fee None
Card replacement fee $5 per card
Transaction fees
Cash advance transaction fee

3%

Balance transfer fee 3%
0% thru 3/31/18 for any balance transfer made within 30 days of new card opening date
Foreign transaction fee 1% of each foreign transaction, regardless of whether the transaction is in U.S. dollars
Penalty fees

Late Payment fee

If your payment is 5 or more days past due, you will be charged 5.00% of the payment due - $7 maximum

Over credit-limit fee

None

Returned payment fee

$15 if check deposited and returned from a 3rd party; $25 if check deposited and returned from member's account at another financial institution.

How we 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 account agreement.