World wide buying power with our VISA.
You have purchase power with a Bay Area Credit Union VISA and at a very competitive rate.
- NO over limit fee
- NO inactivity fee
- NO annual fee
- Pay for purchases and services worldwide
- Access cash via ATM
- Easily manage your account through It’sMe247 banking
- Protect online purchases with FREE Verified by Visa service
Complete Access to Apple Pay with our VISA FAQ Where to use ApplePay
Bay Area VISA Classic
|Annual percentage rate (APR) for purchases and cash advances|
• APR for Balance Transfers:
|Other APRs: 60 Days Late:||18.95%|
|Grace period for repayment of balances for purchase||25 Days|
|Minimum finance charge||None|
• Foreign Transaction Fee
• Balance Transfer Fee
|1.00% of each multiple currency transaction in U.S.|
dollars 0.08% of each single currency transaction in
U.S. dollars Either $5 or 3% of the amount of each transfer, whichever is greater
• Late payment fee** (5 or more days)
• Returned Payment Fee
*Annual Percentage Rate is 12.95% APR unless payment is 60 days late – default rate is 18.95%APR. **Late pay is considered 5 or more days late. After 6 months of consecutive on-time payments we will initiate an account review.