Visa Credit Card Agreement and Truth-in-Lending Disclosure Electronic Correspondence Disclosure and Agreement Electronic Funds Transfer Agreement and Disclosure Fee Schedule Travel Accident Insurance Auto Rental Collision Damage Waiver Privacy Policy

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

12.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.



Balance Transfer Offer Details
¹ Annual Percentage Rate (APR) of 0% on balance transfers is valid on balance transfers made between January 1 and February 28, 2017, and applies only to balance transfers from another financial institution's credit card to your OU Credit Union Visa Credit Card. The 0% APR on balance transfers is valid until June 30, 2017. After June 30, 2017, the balance transfer rate will revert to your standard rate, between 8.9% and 17.9%. To receive this special offer, members must have opened an OU Credit Union Visa Credit Card before January 1, 2017. Balance transfers must take place between January 1 and February 28, 2017, and your Visa Credit Card account must be in good standing to qualify for the special rate. Accounts 60 days late revert to the Penalty Rate of 17.9%. This special rate is for balance transfers only and does not apply to purchases and cash advances.