Visa Platinum Credit Card (Low Rate)

If you’re carrying a balance and looking for a card that offers a great interest rate, the Visa® Platinum Credit Card is the right card for you.

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0% APR* Intro Rate on Balance Transfers

Enjoy a 0% intro rate on balance transfers for 6 months when you open a new Low-Rate credit card. After that your variable APR will be 7.25% - 12.49% based on your creditworthiness. 

^Credit Card Rate and Fees

See Offer Details

If you regularly carry a balance and are looking for a card that offers our best interest rate, our low-rate card may be what you’re looking for.

Visa Platinum (Low Rate)

  • Our lowest-rate card
  • 1% foreign transaction fee

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more

Access our calculators

Visa Platinum (Low Rate)

  • Our lowest-rate card
  • 1% foreign transaction fee

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

CARD FEATURES

 

  • Visa Platinum benefits:
    • Travel accident insurance
    • Auto rental collision insurance
    • Travel and emergency assistance
    • Identity theft protection
  • Visa account updater ᵮ 
  • Additional Insurance
    • Credit Life
    • Credit Disability

Our Rates^

  • APY as high as

    0.40%

    Checking Account

    Priority Checking

  • APY as high as

    0.40%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    0.40%

    Savings Accounts

    IRA Savings

  • APY as high as

    1.26%

    Share Certificates

    Regular Share Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.

Our Rates^

  • APR as low as

    1.90%

    New Auto

    Vehicle Loans

  • APR as low as

    1.90%

    Used Auto

    Vehicle Loans

  • APR as low as

    4.49%

    RV

    Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 17, 2022.

Our Rates^

  • APR as low as

    4.560%

    15-Year Fixed

    Home Loans

  • APR as low as

    5.186%

    30-Year Fixed

    Home Loans

  • APR as low as

    4.843%

    5/1 Arm (30-Year)

    Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday June 27, 2022.  View Full Disclosures.

Our Rates^

  • APR

    7.25% - 12.49%

    Platinum (Low Rate)

    Credit Cards

  • APR

    8.75% - 14.49%

    Rewards

    Credit Cards

  • APR

    12.49%

    Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.30%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.

Our Rates^

  • APR

    8.99% - 14.99%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.

Our Rates^

APY as high as

0.40%

Checking Account

Priority Checking

APY as high as

0.40%

Savings Accounts

(Share) Savings Accounts

APY as high as

0.40%

Savings Accounts

IRA Savings

APY as high as

1.26%

Share Certificates

Regular Share Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.

APR as low as

1.90%

New Auto

Vehicle Loans

APR as low as

1.90%

Used Auto

Vehicle Loans

APR as low as

4.49%

RV

Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 17, 2022.

APR as low as

4.560%

15-Year Fixed

Home Loans

APR as low as

5.186%

30-Year Fixed

Home Loans

APR as low as

4.843%

5/1 Arm (30-Year)

Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective Thursday June 27, 2022.  View Full Disclosures.

APR

7.25% - 12.49%

Platinum (Low Rate)

Credit Cards

APR

8.75% - 14.49%

Rewards

Credit Cards

APR

12.49%

Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2022.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.30%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2022.

APR

8.99% - 14.99%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2020.

ADVICE, TIPS & NEWS

Peer-to-peer payments apps fraud on the rise

Money scams are nothing new, but with this new technology, P2P fraud is on the rise. Be vigilant about these common scams:

Read more about the common scams 

Making Money Matter

Parents want the best for their children. Parents invest time and effort in teaching their children how to walk and tie their shoes, how to look both ways before crossing the street and how to read and do math. In fact, for many parents, that protective instinct doesn’t end as their kids transition into young adults.

Read more tips

Visit Our Blog
Comparison



APR as low as*
7.25%
8.75%
12.49%
Connection Points
No
Yes
No
Foreign Transaction Fee
1%
None
1%
Platinum Benefits
Yes
Yes
Yes
Partner with Interest Bearing Savings
No
No
Yes

* Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 14.49%.

Comparison

* Credit Card Rates and Fees. Rates Subject to Change. APR is Annual Percentage Rate.

** Also available to members with a limited credit history as our Starter Card with an APR of 14.49%.

"The fraud protection staff are awesome! This year someone used/hacked my card and attempted to use it for a rental car down in Mexico. The fraud staff called and asked if I attempted to use my card in Mexico. I told them no, and they shut the card off and sent me a brand new one right away. "

Tenisha, member since 2014

Read More Member Stories

APR is Annual Percentage Rate.

Visa is a registered trademark of Visa International Service Association.

 

¹ Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle. Always check with your service provider(s) to ensure there’s no interruption to your recurring payment arrangements.

Visa's Zero Liability Policy covers U.S. issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit www.visa.com/security.