Visa Platinum Low Rate Credit Card

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

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0% APR^ Intro Rate

Enjoy a 0% intro rate on balance transfers for six months with a Low-Rate card. After that, your rate will vary from 12.25% to 17.49% Annual Percentage Rate (APR). 

^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.

Card Features

  • 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

Card Features

  • 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.

ADDITIONAL FEATURES & BENEFITS

  • Visa Platinum benefits:
    • Travel accident insurance
    • Auto rental collision insurance
    • Travel and emergency assistance
    • Identity theft protection
    • SoFar Sounds
    • Roadside Dispatch
    • Shipt
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APR as low as^
12.25%
16.00%
13.75%
17.49%
Rewards
None
2% cash back
1 point for every $1 spent
None
Annual Fee^
None
None
None
None
Foreign Transaction Fee^
1%
None
None
1%
Credit Limit (Min-Max)
$500 - $50,000
$5,000 - $50,000
$500 - $50,000
$250 - $5,000

^ 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 18.00%.

Compare Our Cards

^ 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 18.00%.

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

Our Rates^

  • APR

    16.00% - 18.00%

    Signature Cash Back

    Credit Cards

  • APR

    13.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.25% - 17.49%

    Platinum Low Rate

    Credit Cards

  • APR

    17.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2024.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.50%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.33%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

Our Rates^

  • APR as low as

    4.94%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.69%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1,2024.

Our Rates^

  • APR as low as

    6.464%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.710%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.204%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    5.875%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 19, 2024.  View Full Disclosures.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Our Rates^

APR

16.00% - 18.00%

Signature Cash Back

Credit Cards

APR

13.75% - 18.00%

Platinum Rewards

Credit Cards

APR

12.25% - 17.49%

Platinum Low Rate

Credit Cards

APR

17.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2024.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.50%

Short-Term Share Certificate

Share Certificate

APY as high as

5.12%

Share Certificate

Share/IRA Certificates

APY as high as

4.33%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

APR as low as

4.94%

New/Used Auto

Up to 36 Months

APR as low as

5.69%

New/Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1,2024.

APR as low as

6.464%

15-Year Fixed

Home Loans

APR as low as

6.710%

30-Year Fixed

Home Loans

APR as low as

7.204%

5/1 Arm (30-Year)

Home Loans

APR as low as

5.875%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 19, 2024.  View Full Disclosures.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective February 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

"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 and Visa Signature are registered trademarks of Visa International Service Association.

* APR is Annual Percentage Rate. Open a new Visa Business Platinum credit card between 01/01/2024 and 03/31/2024 and earn 0% introductory APR on purchases within the first six (6) months. After the introductory rate, normal rates and fees will apply. As of 10/01/2023, variable APR will be 13.99% to 18.00% APR, based on your creditworthiness. Please refer to Credit Card Rate and Fees. Rates are subject to change. Loans are subject to credit approval and Credit Union lending guidelines. In order to benefit from this offer, cardholder must keep account in good standing. This offer is non-transferable and cannot be combined with any other offer.

Message and data rates may apply. Check with your mobile provider.

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 Visa.com/security.

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.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.