The charts below provide important details concerning VCCU credit cards. This data is accurate as of January 1, 2019, 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.

All loans subject to approval.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

10.95% - 22.95% (Platinum)
12.95% - 24.95% (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 10.95% - 22.95% (Platinum) 
12.95% - 24.95% (Platinum Rewards)
APR will vary with the market based on the Prime Rate plus margin.
APR for Balance Transfers          10.95% - 22.95% (Platinum) 
12.95% - 24.95% (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 27 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
Document copy fee  $0.50
Rush fee $25.00 
Statement copy fee   $5.00
Transaction fees
Cash advance transaction fee

3% of the amount of each cash advance

Balance transfer fee 3% of the amount of each balance transfer
Foreign transaction fee 3% of each foreign transaction in US dollars
Penalty fees

Late Payment fee

$7.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Over credit-limit fee

None

Returned payment fee

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

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.

 


For California Borrowers, the Mastercard and Mastercard with Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to:(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.