VISA - Classic, Gold, Share-Secured, CreditBuilder If you like to travel and/or want the convenience of a universally accepted credit card to purchase goods and services worldwide then a Spectrum VISA is for you! You have the choice between a VISA Classic Card and a VISA Gold card (approval based upon credit evaluation): VISA Classic A Spectrum VISA Classic offers you the classic convenience of a world reknowned card at a low rate. Classic VISA: If you tend to keep an outstanding balance on your card, you'll enjoy - No grace period a low fixed rate of 13.9% APR* reasonable monthly payments low $10 annual fee (waived with particpation in Spectrum's Prism Package of Services) In addition, you'll get these Spectrum VISA features: No cash advance fees Free second card for your spouse or joint member Credit limits from $500 - $10,000 24-hour ATM access Easy-to-Read monthly statement which allows you to keep track of your monthly purchases easily SPECIAL NOTE Spectrum VISA cash advances can be made at any of our offices, without any fee. And at other institutions, subject to their fees and regulations. With Spectrum's Easy Transfer Form, you may use your VISA cash advances to pay off credit cards with higher interest rates and save even more money!  *APR subject to change without notice. Approval based upon credit evaluation. VISA Gold A Spectum VISA Gold offers the benefits and prestige that only a Gold Card can. Visa Gold is designed for those members with excellent credit and the need for a higher limit card with added conveniences and benefits. Spectrum VISA Gold cardholders enjoy superior services, extra convenience and security as one of our most valued cardholders. And the finance rebate and other benefits make this card a sweet deal. Here's what a Spectrum VISA Gold offers: Low annual percentage rate of 10.9% Low minimum payment - just 3% of your outstanding balance Credit lines from $5,000 - $15,000 25-day grace period on purchases. Pay in full within the grace period and no finance charge will be due. In addition to the above, VISA Gold cardholders benefit from: No cash advance fees (Get cash at over 300,000 automated teller machines around the world displaying the VISA logo) Automatic payments (if requested). Pay back your VISA Gold safely, securely and automatically. Convenient option of skipping your December payment (for qualified members) Free second card for your spouse or joint member 24-hour access: For current account information anytime, use a touchtone phone and call 800-234-5354. Have your VISA account number and 5-digit zip code ready and follow the prompts. Additionally you'll enjoy (certain fees, exclusions and limitations may apply): Travel and Emergency Services, Auto Rental Insurance, Rapid Card Replacement, Warranty Registration Service, and Double the Manufacturer's Warranty on most products purchased. Share-Secured VISA Spectrum FCU offers members a Share-Secured VISA - which is a VISA card secured by the amount of money one has in a Spectrum share account. It works much like a Certificate Secured Loan in that the loan amount is limited to a specific share secured balance, but the rate is different (and of course it's a credit card) and you can only charge up to the amount pledged. A share-secured Spectrum VISA is typically used by members to rebuild credit or who want to use a credit card and want to leave their share savings account balance untouched. The amount of required shares pledged for a Share Secured VISA is 110% of the card limit. Members are required to pledge 110% of the credit limit to ensure that there are funds available to cover interest rate finance charges. CreditBuilder VISA Spectrum FCU offers an option if you are in a position to establish or re-establish your good credit. It's called our CreditBuilder VISA. It looks like our regular VISA Classic card but has an interest rate of 15.9%APR (subject to credit approval). Additionally there is a low annual fee of $24 which may be waived with Prism and Global account relationships.