Bay Cities Credit Union

Looking for a new credit card? You probably get offers in the mail every day. Why take a chance with someone else. You can count on your Credit Union for fair rates and all the perks you might not get elsewhere including:

Non-Variable Rates on all Visa® Cards
No annual Fee on Platinum, Gold and Classic Visa® Cards
No Cash Advance Fees on Platinum and Gold Visa® Cards
No Over-the-limit Fees
No Penalty Rates for Late or Missed Payments
A 25 Day Grace Period
Zero Liability for Lost or Stolen Cards
Emergency Card Replacement Within 24 Hours in the United States

Our credit card program offers four levels of credit lines up to $10,000, at competitive rates listed below. Apply today and feel the peace of mind a Bay Cities Visa® Card will give you.

And don't forget to protect yourself and your valuable credit by signing up for the free Verified by Visa® service. This protection may be required for many of your online Visa® purchases.

To report a lost or stolen Visa® Credit Card within the United States, call 1-800-VISA-911
(1-800-847-2911) anytime 24/7. Outside the United States call collect 1-410-581-9994. You can also call the Credit Union directly during business hours at 510-690-6100.

The annual percentage rates quoted are accurate as of 08/01/10.
Interest Rates and Interest Charges
Annual Percentage Rates (APR) for Purchases	Platinum	9.5%	Classic	14.5%
	Gold	10.5%	Standard	17.75%
	All Rates are Non-variable
Annual Percentage Rates (APR) for Cash Advances	Platinum	10.5%	Classic	15.5%
	Gold	11.5%	Standard	18.75%
	All Rates are Non-variable
Penalty APR	None
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.
Minimum Interest Charge	There is no minimum interest charge.
For Credit Card Tips From the Federal Reserve Board (FRB)	To learn more about factors to consider when applying for or using a credit card, visit the website of the FRB at: http://www.federalreserve.gov/creditcard.
Fees
Annual Fee	None on Platinum, Gold & Classic cards. $20 on Standard cards.
Transaction Fees	Balance Transfer: None Cash Advance: None on Platinum or Gold cards. Greater of 1.5% of amount or $2.00 on Classic and Standard cards. Foreign Transaction: None on Platinum or Gold cards. Greater of 1.5% of amount or $2.00 on Classic and Standard cards.
Penalty Fees	Late Payment: as high as $15 when the payment is 15 or more days late. Over the Credit Limit: None. Returned Payment: $25
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

We Do Business in Accordance With Federal Fair Lending Laws

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 7.1.2010

This page may contain links that take you off the Bay Cities website. Bay Cities is not responsible for content or availability of linked sites. We do not provide, and are not responsible for, the product, service, or overall website content available at any linked third-party sites. Bay Cities does not represent either the third party site or the viewer if the two enter into a transaction. The Credit Union's privacy polices do not apply to linked websites and you should consult the privacy disclosures on that site for further information.