Credit Cards

 

It’s True. Credit Union Rates Have Their Perks.

TAPCO has a Visa card to fit your needs—Classic, Gold Rewards, or Premium. Your TAPCO Visa card can be used at millions of locations worldwide and may provide overdraft protection for your TAPCO checking account. Contact us or apply online to start enjoying the convenience of a TAPCO Visa Card with special introductory rates.

Visa Credit Card Agreement

Interest Rates and Interest Charges

Card Type

Visa Classic

Visa Gold Rewards

Visa Premium

Annual Percentage Rate (APR) for Purchases

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 15.00% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 11.50% to 16.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 9.00% to 13.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 15.00% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 11.50% to 16.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 9.00% to 13.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 15.00% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 11.50% to 16.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 9.00% to 13.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate

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 any interest on purchases if you pay your entire balance by the due date each month.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 

Minimum Interest Charge

None

None

None

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.  

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.  

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.  

 Fees

Annual Fee

None

$30.00 for Peak Rewards Members
$50.00 for Non-Peak Rewards Members

None

Transaction Fees

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25
Returned Payment: Up to $27
Late Payment: Up to $25
Returned Payment: Up to $27
Late Payment: Up to $25
Returned Payment: Up to $27

 

Apply Now

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your account agreement for more details.
The above information about the costs of the cards described in this application is accurate as of 8/8/2014. This information may change after this date. To find out what may have changed, call us at (253) 565-9895 or (800) 345-7183 or write to us at TAPCO Credit Union, PO Box 64369, Tacoma WA 98464.

 

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