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Credit Cards

Verified VisaAt Savannah Postal Credit Union, we offer the VISA® Classic credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Savannah Postal Credit Union VISA® Card.

You'll enjoy the following benefits:

  • No annual fee
  • No minimum finance charges
  • 25-day grace period
  • No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
  • Optional life and disability insurance available at low rates

Please click here to report a lost or stolen Savannah Postal CU VISA® Classic credit card or click here for the credit card payoff calculator.

Annual Percentage Rate (APR) for Purchases

11.50%, 15.00%, or 18.00%

When you open your account, based on your creditworthiness
APR for Cash Advances

11.50%, 15.00%, or 18.00%

When you open your account, based on your creditworthiness
How to Avoid Paying Interest on Purchases Your due date is 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 Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
Foreign Transaction
NONE
Penalty Fees
Late Payment
$15
Returned Payment
$20


How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Effective Date. The information about the costs of the card described in this application is accurate as of March 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee: 15.00 (if you are more than 15 or more days late)
Statement Copy Fee: $2.00
Document Copy Fee: $2.00
Ruch Fee: $25.00
Emergency Card Replacement Fee: $15.00
PIN Replacement Fee: $5.00
Card Replacement Fee: $5.00

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