OneAZ Credit Union

Platinum Credit Card

Looking for a low rate, straightforward card? Get the Platinum credit card that is easy to use.

1.99% APR

6-Month Introductory APR1

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Existing Members

Existing members can submit a loan application by clicking the link below.

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VISA® Platinum credit card from OneAZ Credit Union

Features and Benefits

  • 1.99% 6-month introductory APR. After introductory period, APR may range from 11.49% to 18.00% based on applicant's credit 1
  • Cash advances at ATMs
  • Credit line minimum of $2,500
  • Online account access
  • Roadside dispatch program

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Balance Calculator

What will it take to pay off your balance? Use this calculator to understand how long it will take to pay off your balance.

Calculators are for informational purposes only. All loans are subject to credit and income approval.

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APR = Annual Percentage Rate.

1 All loan subject to credit and income approval. Please see table below.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 1.99% for introductory period of 6 months.
After that, your APR will be 11.49% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 1.99% for introductory period of 6 months.
After that, your APR will be 11.49% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 1.99% for introductory period of 6 months.
After that, your APR will be 11.49% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:
  • Your minimum monthly payment is more than 60 days late
  • You are in default of any other terms of the Agreement
How long will the penalty APR apply?
If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.
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 any interest on the portion of the purchases balance that you pay by the due date each month.
Minimum Finance Charge If you are charged interest, the charge will be no less than $1.00.
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.
FEES
Annual Fee None
Transaction Fees:
Cash Advance
Foreign Transaction

3% of the cash advance transaction (minimum $10.00)
1% of the US dollar amount of the foreign transaction
Penalty Fees:
Late Payment Fee
Returned Item Charge

$25.00
$25.00 or the amount of the returned item, whichever is less
Other Fees:
Pay by Phone

$20.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We reserve the right to amend the VISA© Credit Card Agreement as permitted by law.

Effective Date. The information about the costs of the card described in this disclosure is accurate as of July 1, 2022. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 60 days late.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These Account Disclosures for the Visa Platinum Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

IMPORTANT DISCLOSURE FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this notice verbally, please call 1-844-663-2928 during our normal business hours: Monday - Friday 8:00 am - 6:00 pm.

 

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