Patriot Federal Credit Union

Credit Cards

Get the best rate on the card that has spirit! With a great interest rate and no hidden fees, there are lots of reasons to carry a Patriot Platinum Visa^®.
Platinum I'm A Patriot VISA^®
Secured VISA^®
Manage Your Account Online
Easy to Apply Today

Platinum I'm A Patriot VISA
Get the Credit Card with Spirit!
Because you have enough to worry about, the last thing you need to be concerned with is getting the best rate on your credit card. For all your major purchases and everyday expenses, Patriot's Platinum VISA^® has a low interest rate, no hidden fees, and lots of benefits to stretch your budget!

	Rates as low as 7.99% APR* on purchases and cash advances
	No annual fee
	No balance transfer fee
	Low minimum payments - only $25 or 2% of balance, whichever is greater
	Verified by VISA^® online protection
	25-day grace period

Credit Card Rates		Competitors
Monthly Rates	7.99%	18.00%
Savings	10.01%

Even More Great Benefits:

	Warranty Manager Service
	Auto Rental Insurance
	Travel and Emergency Assistance
	Travel Accident Insurance

Verified by VISA®
A secure way for all your online VISA card purchases.
Learn More »

Move Balances and Save
Consolidate and transfer high interest rate credit card balances to your Patriot Platinum VISA^®. Most credit card issuers charge 3-5% or a fixed fee simply to move your balance, but at Patriot there is NO BALANCE TRANSFER FEE which saves you even more! Plus, you'll save money on interest, lower monthly payments and avoid the hassle of tracking multiple accounts.

Credit Card - $10,000 Balance		Bank A
Transfer Fee	0%	3%
	$0.00	$300.00
Total Savings	$300.00

Manage Your Account Online
With MyCardInfo, online account access is available whenever you need to check your balance, pay your bill or review recent transactions. It's a secure site so you can rest assured that your information is safe and you can manage your credit card account on your schedule 24/7.

Easy to Apply Today
With your variable rate Platinum I’m A Patriot Visa^®, you'll be carrying the simple solutions to needing credit for all your purchases. To apply, call 888-777-9982, or apply online and/or balance transfer forms and visit any Patriot branch office.

Interest Rates and Interest Charges

*Annual Percentage Rate (APR) for Purchases and Cash Advances

7.99% to 11.99%, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.

**APR for Balance Transfers

3.90% to 7.90% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle.

After that your APR will be 7.99%, 9.99% or 11.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Penalty APR

None

Minimum interest Charge

None

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 Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Annual Fee

None

Transaction Fees

Balance Transfer
Cash Advance

None
Current Rate on Card

Penalty Fees

Late Payment
Returned Payment
Overlimit

$25
$25
None

*Subject to credit approval.

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