Personal Credit Cards

SAC FCU Classic VISA®
Rates as low as 7.75% APR* No minimum limit No balance transfer fee No annual fee No separate limits for cash advances — take cash up to your regular purchase limit Free online account access to My Card Info Maximum limit $30,000

SAC FCU Signature Rewards VISA®
Rates as low as 8.75% APR* Minimum limit $5,000 Earn 1 point for every dollar spent — with no limit to the rewards you can earn Redeem points for event tickets, travel, statement credits, gift cards, and merchandise VISA® Extended Warranty Protection available VISA® Rental Car Insurance available No balance transfer fee No annual fee No separate limits for cash advances — take cash up to your regular purchase limit Free online account access to My Card Info Maximum limit $30,000

Verified by VISA

Take the Visa card you already use, add a password to confirm your identity, and you've got Verified by VISA® -- the new online protection service exclusively for VISA cardholders.

Create a Password!

Your password is linked to your card, not the computer. Create your own password today. For additional assistance, call 1-800-857-3118.

Prevent Theft — Help prevent unauthorized purchases before they happen.
Stay Secure — Shop with added security and peace of mind.

*Annual Percentage Rate. Rates may vary based on credit score.

	Classic VISA	Signature VISA	Business VISA
Recommended For:	Members who carry a balance and are looking for the lowest possible rate.	Members who typically pay their card balance in full each month.	Business members looking for a low-rate credit solution.
Interest Rate and Interest Charges
Introductory APR for Balance Transfers	A fixed introductory rate of 1.99% will apply to Balance Transfers made for the first 30 days. This rate will expire six months after the transfer is posted with the remaining balance reverting to the standard rate listed below.	A fixed introductory rate of 1.99% will apply to Balance Transfers made for the first 30 days. This rate will expire six months after the transfer is posted with the remaining balance reverting to the standard rate listed below.	N/A
APR for Purchases and Balance Transfers	7.75% - 16.75% APR may vary with the market based on the Prime Rate *Your APR is based on credit worthiness.	8.75% - 17.75% APR may vary with the market based on the Prime Rate *Your APR is based on credit worthiness.	8.25% - 17.25% APR may vary with the market based on the Prime Rate *Your APR is based on credit worthiness.
Penalty APR and When it Applies	17.99% This APR may be applied if You make a late payment. If your APRs are increased for this reason, the Penalty APR will apply indefinitely unless 6 consecutive payments are received on or before the due date during a six-month period following such increase.
How to Avoid Paying Interest	We will not charge You interest on purchases and balance transfers if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances on the transaction date.
Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau.
Fees
Annual Fee	None	None	None
Transaction Fees
Balance Transfer	None	None	None
Cash Advance	$10 or 3% of advance, whichever is greater	$10 or 3% of advance, whichever is greater	$10 or 3% of advance, whichever is greater
Foreign Transaction	1% of each transaction in US dollars	1% of each transaction in US dollars	1% of each transaction in US dollars
Penalty Fees
Returned Payment	Up to $25	Up to $25	Up to $25
Late Payment	Up to $25 after 3 days	Up to $25 after 3 days	Up to $25 after 3 days
Other Fees
Card Replacement	$5 for standard delivery $35 for rush delivery $50 for same day delivery	$5 for standard delivery $35 for rush delivery $50 for same day delivery	$5 for standard delivery $35 for rush delivery $50 for same day delivery
Statement Copy	$5.00	$5.00	$5.00
Research	$25.00 per hour	$25.00 per hour	$25.00 per hour