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VISA Credit Card Features
- Accepted Worldwide
- Competitive fixed loan rate
- No loan origination fees
- No pre-payment penalties
- No annual fee
- $250,000 Travel Insurance (Certain Terms & Conditions Apply)
- Can have more than one card per account
- Cash advance available by phone, finance charges begin the day of the advance
- Payments can be made by Autopay (Online form), mail, on icon@home, or brought into an Icon Branch.
- Can access Visa ATM machines (Machines must be marked with "Visa" logo)
- Statements mailed monthly on active accounts
- Payments of 3.5% of balance or $15.00 minimum Visa credit limits range from $500 - $15,000
- 25-day grace period for purchases
- Can view recent Visa activity online through ezcardinfo.com (if you do not login within 180 days of your last login date, you will need to re-register with ezcardinfo.com for online access)
VISA Credit Card Disclosure |
| Annual Percentage Rate |
13.9% (Periodic rate used to compute the Finance Charge is 1.158% per month.) |
| Grace Period |
Purchases - 25 days
Cash Advances - Finance charge may begin to accrue on the date of the cash advance. |
| Method of Computing the Balance |
Average Daily Balance Method (including current transactions). |
| Annual Fee |
NONE |
| Minimum Finance Charge |
NONE |
| Transaction Fee for Purchases |
NONE |
| Other Charges |
Late Payment Fee - $15.00
Returned Check Fee - $15.00
Collection Costs - See VISA Agreement
The minimum payment is 3.50% of your Total New Balance but not less than $15.00 PLUS the amount of any prior minimum payments that you have not paid. |
VISA Debit Card Features
- Safer than cash
- Takes less time than writing a check
- Worldwide acceptance
- No interest or finance charges
- Easy record keeping
- Unlimited point-of-sale purchase each month with no fee
- Up to 5 ATM withdrawals per month with no fee
- Cost: $5.00 (cards expire every 2 years)
- Debit transactions do not count toward the monthly checking account activity fee
- Member must be approved through normal loan guidelines for a $100 minimum line-of-credit limit- Apply Online
- Member must have an open checking account
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