Discover the freedom of Centric Visa® credit cards. Enjoy competitive rates*, a straightforward application process based on your credit history, and the ability to use your card worldwide. Whether you’re new to credit or building on existing history, our cards are designed to fit your financial journey.
National average based on data obtained from LendingTree (see disclaimer below).**
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Interest Rates & Fees
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Centric Visa 15.99% , 16.99% or 17.99%, based on your creditworthiness. Centric Pledge Visa 13.99% |
| APR for Balance Transfers | Centric Visa 15.99% , 16.99% or 17.99%, based on your creditworthiness. Centric Pledge Visa 13.99% |
| APR for Cash Advances | Centric Visa 15.99% , 16.99% or 17.99%, based on your creditworthiness. Centric Pledge Visa 13.99% |
| Penalty APR and When it Applies | Centric Visa 17.99% Centric Pledge Visa 13.99% This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| 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 |
| 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 http://www.consumerfinance.gov/learnmore |
| Fees | |
|---|---|
| Set-up and Maintenance Fees - Annual Fee - Account Set-up Fee - Program Fee - Participation Fee - Additional Card Fee - Application Fee | None None None None 1.00% of each transaction in U.S. dollars None |
| Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee - Transaction Fee for Purchases | None None None None |
| Penalty Fees - Late Payment Fee - Returned Payment Fee | Up to $15.00 Up to $25.00 |
*Having a Centric Visa® Credit Card does not automatically guarantee a lower rate on future loans with Centric. Rate subject to credit qualification, not all will qualify. See loan officer for details. Click here for Application and Solicitation Disclosure.
** As of September 2025, LendingTree reports that the national average APR for new credit card offers is 24.36%, with rates ranging from 20.79% to 27.93% depending on creditworthiness. It’s important to note that these rates can vary by issuer and are influenced by factors such as the Federal Reserve’s monetary policy and individual credit profiles. To obtain the most accurate and personalized APR, it’s advisable to check specific credit card offers or consult with lenders directly.
How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of: October 12, 2017
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Centric Visa and Centric Pledge Visa are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to:
(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us, but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less
Card Replacement Fee:
$5.00
Document Copy Fee:
$5.00
Emergency Card Replacement Fee:
$15.00
Statement Copy Fee:
$5.00
Rush Fee:
$15.00 plus FedEx charges
This credit union is federally insured by the National Credit Union Administration.
