Summit Credit Union
Summit Credit Union Join for the perks...stay for the service!
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IMPORTANT NOTICE:
Click [here] for a special notice regarding out of country travel and the use of your Summit Credit Union Visa Credit Card.
Click [here] to protect your Visa card online with a personal password using our Verified by Visa service!

Platinum or Platinum Rewards - Your Choice!

It's Everywhere You Want To Be!

 VISA Platinum REWARD$...Life Should Be Rewarding!
Choose the VISA Platinum REWARD$ Card and you will earn reward points  for every qualifying net dollar you spend.  Then turn your reward points into incredible Gift, Travel, or Experience awards!

Choose from thousands of gifts from categories like Appliances, Electronics, Kitchen, Lawn & Garden, Sporting Goods, Jewelry, and many more.  Travel rewards include airline tickets and cruises.

When you are ready to redeem reward points, simply click [here] or contact the ScoreCard Service Center at 1-800-854-0790.  Brand name gifts, vacation getaways, useful services, once-in-a-lifetime experiences... you can have it all with our VISA Platinum REWARD$ Card. 


Key Features:
  • Rate as low as 9.95% APR
  • Reward Points ($1 = 1 point) at www.scorecardrewards.com
  • No Annual Fee
  • No Minimum Finance Charge
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • 25 Day Grace Period On Purchases 
  • Cash 24 Hours A Day Using An ATM Machine
  • 24-Hour Access to Account Information
  • Credit Limits up to $20,000 
  • Free $500,000 Common Carrier Accident Insurance - Click [here] for disclosure

| Apply Online Now | Credit Card Disclosure | Balance Transfer Form | Back To Top |

Summit Credit Union VISA

Apply Online Now!

 

VISA Platinum
Choose our VISA Platinum Card if you want a slightly lower interest rate and are not interested in rewards.  Do you have a number of department store, gas station, and other merchant credit cards that you regularly use to make your purchases? Did you know that the typical annual percentage rate (APR) on retail charge cards can be as high as 27.00% APR or more.

That's a LOT of interest even on a very small balance. Especially if you have a balance on more than one card.

Your credit union offers members an alternative--The Summit Credit Union Platinum VISA. This program is tailor-made for members who are seeking the best ways to manage their personal finances effectively!

Secured VISA
Whether you’re starting out or starting over, the Secured VISA card is a great way to build your credit history. 

  • Ideal for students, young couples or those re-establishing credit
  • To get a Secured Visa card, you'll need to deposit money in a Membership Share account
  • Your money will earn interest, but it must remain in the account to serve as security for the card
  • Accepted for purchases everywhere that Visa credit cards are welcome, up to your deposited amount.  

Key Features:
  • Rates as low as 8.95% APR
  • No Annual Fee
  • No Minimum Finance Charge
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • 25 Day Grace Period On Purchases
  • 24 Hour Access To Account Information
  • Credit Limits Up To $20,000
  • Cash 24 Hours A Day Using An ATM Machine 
 

| Apply Online Now | Credit Card Disclosure | Balance Transfer Form | Back To Top |

Summit Credit Union VISA

Apply Online Now!

 

 
Interest Rates and Interest Charges

ANNUAL
PERCENTAGE RATE
 for purchases

VISA Platinum 8.95% to 16.95%1
VISA Rewards 9.95% to 17.95%
1
Secured VISA 8.95% to 16.95%
1

ANNUAL
PERCENTAGE RATE
 for balance transfers

VISA Platinum 8.95% to 16.95%1
VISA Rewards 9.95% to 17.95%
1
Secured VISA 8.95% to 16.95%
1
The Finance Charge on balance transfers will begin to accrue on the date you make the transfer.

ANNUAL
PERCENTAGE RATE
 for cash advances

VISA Platinum 8.95% to 16.95%1
VISA Rewards 9.95% to 17.95%
1
Secured VISA 8.95% to 16.95%
1
The Finance Charge on cash advances will begin to accrue on the date you obtain the advance.

 Minimum Finance Charge None
How To Avoid Paying
Interest on Payments
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips From the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: www.federalreserve.gov/creditcard
Fees and Charges
Annual Fee None
Document Copy Fee $3.00 for each copy of statement or sales draft
Rush Card Fee $25.00
Cash Advance & Balance Transfers None
Foreign Transactions 1% of the transaction amount
Late Payment $25.00 if your payment is 10 or more days late
Returned Payment $29.00 for each returned payment

 
How We Will Calculate Your Balance:  We use a method called "Average Daily Balance (including new purchases)".

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement and disclosure.

1
The Annual Percentage Rate (APR) you receive is based on our credit scoring criteria.  For information on the rate you may qualify for, please call our Loan Call Center.

 

Your Choice . . .
Your Card . . .  
Your Credit Union!

 

 Credit Card Disclosure

To report a lost or stolen Summit Credit Union credit card, call card security immediately at (800) 991-4965. Please contact us immediately thereafter at (336) 378-2700. If the office is closed, please call first thing the next business day.

 

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