No Joke

If your household does most of your business with us you probably qualify!

The 0% Visa is a perk available to members who meet all three of the following criteria:

  1. either a checking account with a debit card or a money market account
  2. some type of automatic deposit to your DECU account
  3. a $10,000 relationship with DECU which can be any combination of balances of savings, loans, and Visa credit limits within your household.*

Limit one 0% Visa account per household but you can have more than one card.

The monthly payment on a 0% Visa is 10% of the outstanding balance with a minimum monthly payment of $50. Neither cash advances nor balance transfers are available on the 0% Visa.

* A household is a family living together, all of whom need not be related. One person may have the loan on their account and the other person has the direct deposit. You can qualify as long as all the criteria can be met by the members under one roof.


ZERO PERCENT VISA CARD HOLDER AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE STATEMENT

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/creditca...

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate 0.00%
APR for Balance Transfers Not Available
APR for Cash Advances Not Available
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 None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
FEES
Annual Fee None
Transaction Fees
- Balance Transfer None
- Cash Advance None
- Foreign Transaction 1% of the amount of each transaction in U.S dollars
Penalty Fees
- Late Payment $20 after 10 days or not more than the minimum payment
- Over-the-Credit Limit None
- Returned Payment $25

This information is accurate as of 4/1/14 and is subject to change.