Zeal Credit Union

Visa Classic

Meeting your needs is our number one priority. This popular Visa® Classic card gives you a low fixed or variable annual percentage rate and generous credit limits up to $5,000. What’s more, our Visa Classic card is accepted at more than 24 million merchants and 800,000 ATM and cash locations worldwide.

  • Emergency Cash & Card Disbursement
  • $500,000 Travel Accident Insurance
  • Verified By Visa
  • Zero Liability

At Zeal Credit Union, you’ll also enjoy these great benefits:

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Balance Transfers

Save money today by transferring your higher rate balances from other credit cards to a Zeal Visa®Card. The process is simple, fast and you will enjoy the convenience of consolidating multiple payments into one affordable monthly payment.

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Disclosure

Annual Percentage Rate for Purchases (APR) 9.75% Variable
11.90% Fixed

You understand that the terms of your account, including APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs or fixed APRs may change to variable APRs. Any changes will be in accordance with your Cardholder Agreement.  The “Index” is the “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month.The variable rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 5.75%.
Other APRs
Balance Transfers APR
Cash Advances APR
9.75% Variable
11.90% Fixed
You understand that the terms of your account, including APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs or fixed APRs may change to variable APRs. Any changes will be in accordance with your Cardholder Agreement.  The “Index” is the “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month.The variable rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 5.75%.
Penalty Rate APR and When it Applies 18.00%
*Penalty Rate – If either of the following two situations occurs:
(a) your Account is 30 days past due on two separate occasions in a rolling six month period; or
(b) your Account is 60 days past due; We may impose a higher monthly Periodic Rate and corresponding Annual Percentage Rate (a “Penalty Rate”) to all outstanding balances in your Account. The Penalty Rate is a monthly Periodic Rate of 1.50% with a corresponding Annual Percentage Rate of 18.00%. The Penalty Rate will take effect on the first day of the Billing Cycle and will apply to all of your outstanding and any new Purchase and Cash Advance balances. Interest rate changes will be reflected on your periodic statement.
Variable rate information based on Wall Street Journal prime rate Your APRs may vary. The rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 5.75%
Grace Period for repayment At least 25 days if previous total balance is paid in full by the payment due date
Annual Fee None
Minimum finance charges None
Transaction fee for purchases None
Transaction fee for ATM advances $2.00
Return check fee $25.00
Late payment fee $25.00
Over limit fee $25.00
Balance Transfer Fee No Balance Transfer Fee
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 www.consumerfinance.gov/credit-cards/

Method of computing the balance for purchase : Average Daily Balance (including new purchases)

A one time $2 membership fee is required to be a member at Zeal Credit Union, Membership is required to receive a Visa Credit Card from Zeal Credit Union. You understand that if based upon our review you do not qualify for the Platinum Card, you will be considered for the Classic card with the same Terms and Conditions.

The information listed above is correct as of 3/17/2017 and is subject to change at any time without prior notice. To receive the most recent information, please contact Zeal Credit Union at 800-321-8570 or write to Zeal Credit Union, PO Box 51700, Livonia, Michigan 48151-5700.

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