Bay Cities Credit Union

A credit card with 3, 4 or even 5 different rates can leave you confused, irritated and paying more interest than you ever thought possible!

With a Bay Cities Visa® Card you’ll always know where you stand:

One Single Low Interest Rate for All Transactions
No Penalty Rates for Late or Missed Payments

Our credit card program offers four levels of credit lines up to $20,000, 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 1-206-352-3482.

The annual percentage rates quoted are accurate as of 07/01/08. If your payment is 15 or more days late you will be charged $15. Such charge will be identified on the statement you will receive.
Card Type	Annual Percentage Rate for Purchases	Annual Fee	Cash Advance Fee	Over Limit Fee
Platinum	8.9%	$0	$0	$0
Gold	9.7%	$0	$0	$0
Classic	13.9%	$0	Greater of 1.5% of Advance, or $2	$10 when the balance exceeds credit limit at time of billing
Standard	16.9%	$20	Greater of 1.5% of Advance, or $2	$10 when the balance exceeds credit limit at time of billing
Grace Period for Purchases (all cards)	Minimum Finance Charge (all cards)	Method of Computing Balance for Purchases (all cards)		Per Transaction Fee (all cards)
25 Days	$0	Average Daily Balance (including the current transactions)		$0 (excluding Cash Advances)

We Do Business in Accordance With Federal Fair Lending Laws

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 7.1.2008

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.