AntiPhishing
 
click this box to close
California Credit UnionCalifornia Credit Union
Online Banking Access
 
 Sign Up
 
  
AntiPhishing
 
click this box to close
Quick Search Tools

Rates & Fees

Go

Apply Today!

Go

Resource Links

Go
PersonalBusinessEducators
California Credit Union


New Business Banking Online Users


  • In the Online ID box, enter your Online ID provided by CCU.
  • Follow on screen directions to complete enrollment.
  • If you have questions, please call 818-291-6759 (M-F 9:00am to 5:00pm)


Close

 

Rates and Fees

Credit Card Rates

 PlatinumGold Rewards
Annual Percentage Rate (APR)
for Purchases
9.99% - 19.99% when you open your account, based on your credit worthiness. After that your APR will vary with the market based on the Prime Rate.10.99% - 20.99% when you open your account, based on your credit worthiness. After that your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers9.99% - 19.99% This APR will vary with the market based on the Prime Rate10.99% - 20.99% This APR will vary with the market based on the Prime Rate
APR for Cash Advances9.99% - 19.99% This APR will vary with the market based on the Prime Rate10.99% - 20.99% This APR will vary with the market based on the Prime Rate
Penalty APR and When It Applies23.15%
This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you:
1. Make a late payment over 30 days past the due date
2. Make a payment that is returned
Default Minimum Monthly PaymentThe default payment will be either 3% of the new balance or $10, whichever is greater. The default payment will remain in effect until my account is closed. This Default Payment may be applied to your account if you:
1. Make a late payment over 30 days past the due date
2. Make a payment that is returned
How to Avoid Paying Interest on PurchasesYour 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. We will begin charging interest on cash advances on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees 
Annual FeeNone
Transaction Fees
“ Balance Transfer
“ Cash Advance
“ Foreign Transactions

 

“ Either $5 or 2% of the transaction amount, whichever is greater
“ Either $5 or 3% of the amount of each cash advance, whichever is greater
“ 1% of each transaction in US dollars

Penalty Fees
“ Late Payment
“ Over-the-Credit Limit
“ Returned Payment
“ Stop Payment

 

“ $7
“ $10
“ $18
“ $15 for checks drawn on the credit card account

Membership Fee(if applying for membership in CCU) $5, non-refundable

Late Payment: $7, Over-limit Fee: $10, Balance Transfer Fee: 2% of transaction amount or $5, whichever is greater, Cash Advance Fee: 3% of each cash advance ($5 minimum), Foreign Transaction Fee (ISA Fee): 1%

Minimum credit line available is $500.00.

*The APR for all outstanding indebtedness and new balances relating to Cash Advances may vary monthly and shall be equal to the purchase rate. There is no grace period for Cash Advances. CCU may impose a higher monthly Periodic Rate and corresponding APR (a "Default Rate") to your account if you fail to pay the total amount due shown on your monthly statement by 30 days after your due date. The Default Rate is Prime Plus** 19.90% but at no time will the rate exceed 23.15%. If you are in the Default Rate you will also have a Default Payment which is 3% of the balance instead of 2% of the monthly balance.

**The Prime Rate used to determine your APR on the first Tuesday of the prior month to the current cycle is published in the Wall Street Journal.

*** The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit score. Higher credit scores receive our best rate. Lower credit scores get our highest rate. Please ask us for the rate that your credit score determines.

This information is accurate as of 5/20/2013 and is subject to change. To inquire about changes, call (877) 875-8092.

More Information on Credit Cards

Rates & Fees  |  Membership  |  Careers  |  Site Map  |  Privacy Policies
© California Credit Union. All Rights Reserved.
ABOUT SSL CERTIFICATES
Federally Insured by the NCUA NCUAEqual Housing Lender