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Visa Gold Disclosures

Details regarding our VISA Gold Card

Browse here and connect with us with any additional questions or if you need clarification on anything - we're happy to help.


VISA Gold & Secured Gold Terms and Conditions
Secured Gold VISA Addendum
USACU VISA GOLD
Offer does not apply for residents of Illinois or Iowa
Annual Percentage Rates (APR) For purchases, balance transfers, cash advances 11.95%
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
How We Will Calculate Your Balance We use a method called "average daily balance (including new purchases)"
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Transaction Fee for Cash Advances None
Balance Transfer Fee None
Late Payment Fee $15 after 10 days late
Returned Check Fee $15
Monthly Payments Based on the balance outstanding at the end of each billing cycle. Minimum payment is 3% of balance or $25.00, whichever is greater.
For 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 at http://www.consumerfinance.gov/learnmore/.
Billing Rights See USAgencies VISA Gold Agreement and Disclosure for details on Billing-Error Rights