Not a Member*? Not a Problem!
If you are currently not a member* of CWCU you can still apply for a Loan. Once approved you can become a member and gain access to all the benefits and savings CWCU has to offer!
Click here to enter the secure VISA credit card application.
Click here to print your VISA credit card application.
VISA Classic Application and Solicitation Disclosure
|Interest Rates and Interest Charges |
|Annual Percentage Rate (APR) for
Purchases ||9.90% to 16.50% when you open your account, |
based on your creditworthiness.
|APR for Balance Transfers ||9.90% to 16.50% when you open your account, |
based on your creditworthiness.
|APR for Cash Advances ||9.90% to 16.50% when you open your account, based on your
|Minimum Interest Charge ||If you are charged interest, the charge will be no |
less than $0.50 .
The minimum interest charge will be charged on any dollar amount.
|How to Avoid Paying Interest on Purchases ||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.
| 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 Web site of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Transaction Fees |
- Foreign Transaction Fee
|1.00% of each transaction in U.S. dollars |
|Penalty Fees |
- Late Payment Fee
- Returned Payment Fee
|Up to $29.00 |
Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
The information about the costs of the card described in this application is accurate as of October 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
|Late Payment Fee ||$29.00 or the amount of the required minimum payment, whichever
is less, if you are five (5) or more days late in making a payment. In the
event you fail to make a payment on time in any of the six (6) billing
cycles following the violation, you will be charged F13 or the
amount of the required minimum payment, whichever is less. |
|Returned Payment Fee ||$25.00 or the amount of the required minimum payment, whichever
is less. |
|Rush Fee ||$25.00 |
|Emergency Card Replacement Fee ||$150.00 |
|Card Replacement Fee ||$25.00 |
| Card Recovery Fee ||$65.00 |
|Pay-by-Phone Fee ||$10.00 |
|Documentation Fee ||$25.00 |
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* Membership Eligibility: Individuals must live or work in Kankakee, Ford, Iroquois, or Will counties.