Low rates, no annual fee, and design customization. Call us today about our credit card options.

VISA® Platinum and VISA Rewards Credit Card Features

  • Low rates
  • No default rate
  • No annual fee
  • No balance transfer fee
  • Personalized service
  • 10-day grace period
  • Local approval
  • Local payment – in branch, online or by mail
  • Automatic payments
  • Payment protection
  • Free 24 hour online account access and e-statements
  • Free 24 hour telephone access
  • ATM access
  • VISA zero liability protection
  • Choose from two design options or design your own card

You can’t go wrong with a credit card that has the power of VISA combined with the local service of your credit union!

VISA Rewards Bonus Features

  • Receive one point per $1 spent on all purchases minus returns.
  • No limit to the amount of rewards you can earn.
  • Points will be earned as net purchases occur regardless of account status.  However, the account must be open and in good standing at time of redemption.
  • Points earn you cash, travel rewards, merchandise rewards, merchant gift cards and eCertificates.
  • Rewards expire at the end of the fifth calendar year.

 

Design Your Own Card

Show off your favorite photo every time you shop. Design your credit card today by logging in to your credit card account.

Prospera Credit Union Credit Card Account Opening Disclosure

Interest Rates and Interest
Charges
PlatinumRewards
Annual Percentage Rate
(APR) for Purchases
8.90% to 16.90% when
you open your account, based
on your creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
10.90% to 18.90% when you
open your account, based on your
creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
APR for Balance
Transfers
8.90% to 16.90% when
you open your account, based
on your creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
10.90% to 18.90% when you
open your account, based on your
creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
APR for Cash Advances8.90% to 16.90% when
you open your account, based
on your creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
10.90% to 18.90% when you
open your account, based on your
creditworthiness.


After that, your APR will vary with the
market based on the Prime Rate.
Penalty APR and When It
Applies
Prospera Credit Union does not increase your interest rate if you pay late.
We assess a late fee after the payment is ten (10) days past 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 you any interest on purchases if you pay your entire balance by
the due date each month.

We will begin charging interest on Cash Advances and Balance Transfers on
the transaction date.
Minimum Interest ChargeThere is no minimum.
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 FeeNone
Transaction Fees
  • Balance Transfer
  • Cash Advance

  • Foreign Transaction
None
Either $10 or 5% of the amount of cash advanced, whichever is greater.
(maximum fee: $100)
1% of each transaction in U.S. dollars.
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
$25
None
$25
Other Fees
  • Card Replacement
  • Additional Cards
  • Design your own card
  • Temporary Credit
  • Limit Increase
Up to $10 for the first instance; up to $30 for each thereafter
Up to $5/card
Up to $10

Up to $10

How we will calculate your Balance: We use a method called “average daily balance” (including new purchases).

This information about the current APR and costs of the VISA credit card described in this disclosure was accurate as of January 1, 2014 and is subject to change after that date. To find out what may have changed, go to www.myprospera.com, call us at 920-882-4800 or write us at Prospera Credit Union, 4830 N. Ballard Rd., Appleton, WI 54913

Full credit card agreement.