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| Serving Those Who Serve Us |
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PORAC Visa Card
PORAC now offers members a Visa credit card through C.A.H.P. Credit Union1 with features that will help support an environment in which peace officers interact and work toward achieving common goals and objectives. Support your association and apply for the new PORAC Visa2 today. This card is available to PORAC membership only, please cite your PORAC membership when applying.
Apply Today!
If you are already a member of the Credit Union, just call us and one of our loan officers will help you immediately -- and if you use @ccess-24 online banking you may also apply online for your PORAC Visa. If you are not a member of the Credit Union, click here and complete the application. Or give us a call and our staff will be glad to help you.
NOTICE
As the Credit Union continues to evaluate services that benefit our entire membership we need to evaluate existing product features on a regular basis. As a result, the Credit Union is going to suspend the cash rebate on our Classic Visa effective April 10, 2012. We will continue offering our Classic Visa. All accounts qualifying for a rebate up to and including 4/09/2012 will receive rebates after 4/10/2012.
- No Annual Fee
- Low Annual Percentage Rate
- 25-day Grace Period
- Free Access to BALANCE Financial Fitness Program
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PORAC Visa Card
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Annual Percentage Rate (APR) for Purchases
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13.80%
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Variable
Rate Information
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Fixed Rate
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Grace Period for Repayment of Balances for Purchases4
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25 days on purchases only
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Method of Computing the Balance for Purchases
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Average
Daily
On All
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Annual Fee
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None
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Minimum Finance Charge
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None
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Transaction Fee for Purchases (non-foreign)
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None
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Cash Advance
Fee
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None
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Late Fee
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$10 if payment not received within 10 days of due date.
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Over Limit Fee
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$10 per month if the outstanding balance exceeds the credit limit by $500 or 120%, whichever is less.
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Visa International Service Assessment (ISA)**
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Up to 1% of transaction (in U.S. dollars)
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When applying for a new card of choice or evaluating your old one, make sure you know the potential rates, fees, or other charges you may be subject to. Many cards change fees and rates after a set period or after changes in your credit records. Be sure you read the fine print and understand how much you may be affected.
** An international transaction is any transaction where the issuer’s country (i.e., the card-issuing financial institution’s country) is different than the merchant’s country. Thus, a transaction over the Internet could qualify as an international transaction.
1 CAHP Credit Union membership required. For a prompt answer on a loan from CAHPCU, apply online through @ccess-24 Home Banking. All loans granted on approved credit (OAC)
2 PORAC membership required. When applying for a new card of choice or evaluating your old one, make sure you know the potential rates, fees, or other charges you may be subject to. Many cards change fees and rates after a set period or after changes in your credit records. Be sure you read the fine print and understand how much you may be affected.
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C.A.H.P. Credit Union ® 2011 All Rights Reserved
 About Us | Rates | SitePlan |
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| Created and Maintained by WSI |
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| cahpcu | 2011 |
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