Visa® Gold
Higher credit limits up to $15,000 and a lower rate combined with the Visa Gold name make this premium card product very popular at Upward CU.
Features
A fixed 9.9% APR*
Credit limits up to $15,000
No annual fees
24-hour customer service
Worldwide acceptance
Fee-free cash advance
Visa® Classic
A low fixed rate and credit limits up to $7,500 round out the features of the Upward CU Visa Classic – with worldwide acceptance, 24-hour customer service, and no annual fees. Need to add additional signers to the account? Not a problem! Multiple cards are available to add an additional signer, such as a child or family member.
Features
A fixed 10.00% APR*
Credit limits up to $7,500
No annual fees
24-hour customer service
Worldwide acceptance
Fee-free cash advance
Visa® U Classic
Now there is a Visa Credit Card designed especially for our members who are 21 to 24. A manageable credit line of $500, combined with a low fixed interest rate, makes this a great product for a student establishing a credit history. A co-signer may be required based on age and income verification.
Features
A fixed 10.00% APR*
Credit limits up to $500
No annual fees
Great for establishing credit
Worldwide acceptance
Credit history not required
Visa® Share-Secured
Have you had credit problems in the past, or just starting out? Our Share-Secured Visa is a great way to establish or rebuild your credit, and Upward CU is here to help you accomplish that with our low rates and the convenience and access of a Visa card.
Simply use your shares at Upward CU as collateral. Your credit limit will be determined by how much you pledge up to a maximum of $1,500. Use your card and make your payments on time, and you’ll be building a positive credit history. After you’ve demonstrated your financial responsibility, you can apply for a regular card.
Credit Cards
| Credit Card | Visa® Gold | Visa® Classic | Visa®-U | Shared Secured Visa® |
|---|---|---|---|---|
| APR* for Purchases | 9.90% Maximum credit limit of $15,000 | 10.00% Maximum credit limit of $7,500 | 10.00% Maximum credit limit of $500 | 10.00% Maximum credit limit of $1,500 |
| Variable Rate | Fixed | Fixed | Fixed | Fixed |
| Annual Fees | No annual fee | No annual fee | No annual fee | No annual fee |
| Grace Period for Repayment of Balance for Purchases | 25 days to repay your balance before a finance charge will be imposed | 25 days to repay your balance before a finance charge will be imposed | 25 days to repay your balance before a finance charge will be imposed | 25 days to repay your balance before a finance charge will be imposed |
| Balance Calculation Method for Purchases | Average daily balance including new purchases | Average daily balance including new purchases | Average daily balance including new purchases | Average daily balance including new purchases |
| Transaction Fees - Cash Advances | N/A | N/A | N/A | N/A |
| Transaction Fees - Late Payment | 10 | 10 | 10 | 10 |
| Transaction Fees - Over-The-Limit | ||||
| Minimum Finance Charge | N/A | N/A | N/A | N/A |
The information quoted is accurate as of August 22, 2023. This information may have changed after that date. To determine the latest information call us at (650) 231-1300, or write to us at Upward Credit Union, 1860 El Camino Real Suite 100, Burlingame, CA 94010.
* Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.
** Special Rates reflect a 0.50% discount for Direct Deposit into a Upward CU Checking Account. If direct deposit is terminated within the first six months, the rate will revert to the non-discounted rate. You can also qualify for the 0.50% discount by setting up ACH automatic payments that are originated by Upward Credit Union. Only one 0.50% discount per loan. The Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.