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Visa Platinum Preferred

Visa offers convenience, security and peace of mind. Visa is accepted worldwide, so no matter where you are, in an emergency, your Altura Visa can be there.

The Altura Visa is superior to other Visa’s because you are getting your credit card through a Credit Union. Altura offers better rates, lower fees, and more flexibility to your credit line.

Skip A Payment – When you need extra cash

The Altura Visa automatically comes with Skip A Pay built in. So long as your account is in good standing, Altura will automatically let you skip your Visa payment in January, August and September. If you don’t want to skip your payment these months, just make your normal payment.

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No Balance Transfer Fee
Through January 5th.+

Apply today for a brand new Altura Visa Card. It comes with a great rate, generous credit line, and from now through January 5th you’ll be able to transfer balances from higher interest rate cards with NO transfer fees.+

• NO Interest for 25 Days on Balance Transfers+
• NO Annual Fee
• Great Rates
• Generous Credit Lines
• Convenient, Secure and Accepted Worldwide!
  

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Apply online for your Visa Credit Card.

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+ On approved credit. Not all members will qualify. Debt to income ratio not to exceed 45%. $0 Intro Fee on transfers that post to your account by 1/5/2013. After that, 3% of the amount of each transfer. Through 1/5/2013, we will begin charging interest on balance transfers 25 days after your balance transfer is posted to your account. After that, we will begin charging interest on balance transfers on the transfer date. Offer ends 1/5/2013.

Interest Rate and Interest Charges
Annual Percentage Rate(APR) For Purchases	8.99%-Visa Platinum Preferred 15.99%-Visa Select 10.99%-Visa Platinum 18.99%-Visa Shared Secured 12.99%-Visa Classic These APRs will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	19.99% The APR may be applied to your account if You: You make a late payment;or You are otherwise in default under the terms of Your Agreement with US How long will the Penalty APR Apply? If Your APRs are increased for any of these reasons, the Penalty Margin and APR will apply until You make 6 consecutive minimum payments when due.
Variable Rate Information	Your APR for purchase transactions may vary. The rate is determined on the last day of the calendar quarter by adding the margin to the Prime Rate published in the Wall Street Journal. The penalty fee is determined by adding 16.74% to the Prime Rate.
Method for computing the balance for purchases	Average Daily Balance (Including new purchases)
How to Avoid Paying Interest on Purchases	We will not charge You interest 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 and balance transfers on the transaction date.
Minimum Interest Charge	If You are charged interest, the charge will be no less then $0.50
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 Fees	None
Transaction Fees Balance Transfer Fee Foreign Transaction Cash Advance Fee	0% Intro fee on transfers that post to your account by January 5, 2013. After that: 3% of the amount of each transfer. 1.00% of each transaction in U.S. Dollars. 3.00% of each cash advance.
Penalty Fees Late Payment Returned Payment	Up to$10.00 after 10 days. Up to $25.00.

Balance Transfer Information After January 5, 2013 Promotion.

INTEREST RATES AND FEES FOR PURCHASES UNDER THIS CREDIT CARD ACCOUNT – The following information is provided pursuant to the Federal Fair Credit and Charge Card Disclosure Act/Regulation Z

Interest Rate and Interest Charges
Annual Percentage Rate(APR) For Purchases	8.99% After that, your APR will vary with the market based on the Prime Rate.
APR For Blance Transfers	8.99% After that, your APR will vary with the market based on the Prime Rate.
APR For Cash Advances	8.99% After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	19.99% The APR may be applied to your account if You: You make a late payment;or You are otherwise in default under the terms of Your Agreement with US This Penalty APR will vary with the market based on the Prime Rate. How long will the Penalty APR Apply? If Your APRs are increased for any of these reasons, the Penalty Margin and APR will apply until You make 6 consecutive minimum payments when due.
Variable Rate Information	Your APR for purchase transactions may vary. The rate is determined on the last day of the calendar quarter by adding the margin to the Prime Rate published in the Wall Street Journal. The penalty fee is determined by adding 16.74% to the Prime Rate.
Method for computing the balance for purchases	Average Daily Balance (Including new purchases)
How to Avoid Paying Interest on Purchases	We will not charge You interest 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 and balance transfers on the transaction date.
Minimum Interest Charge	If You are charged interest, the charge will be no less then $0.50
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 Fees	None
Transaction Fees Foreign Transaction Cash Advance Fee	1.00% of each transaction in U.S. Dollars. 3.00% of each cash advance.
Penalty Fees Late Payment Returned Payment	Up to$10.00 after 10 days. Up to $25.00.

How We Will Calculate Your Balance: We used a method called "average daily balance" (including new purchases).