SCCU Visa® Low Rate Credit Card
Simple. Smart. Built for Peace of Mind.
Keep more of your money with a card built for real life.
Skip the gimmicks. Whether you're paying down a balance or planning a major purchase, this card offers a low rate and straightforward terms. A great option for budget‑minded members who value simplicity and predictability over rewards.
See our Consumer Credit Card Agreement and Application Solicitation Disclosure.
The Low‑Rate Advantage
- No Annual Fee—so you can focus on managing your balance while enjoying standard Visa benefits.
- Debt‑Elimination Power — An intro APR period can help you focus more of your payment toward your balance while the introductory rate is in effect.
- Seamless Balance Transfers — Transfer balances from other credit cards with no balance transfer fee during the introductory period—keeping more of your money where it belongs.
- Budget‑Friendly Terms — Rates and features designed to keep borrowing simple, predictable, and easy to manage.
Built-In Benefits
Card Controls & Alerts
Manage your card, set alerts, and track activity in Online & Mobile Banking.
Real-Time Fraud Alerts
Get notified of suspicious activity and respond quickly.
Visa Zero Liability® Policy
You’re protected from unauthorized transactions.
Contactless Payments
Tap to pay for a secure, convenient, and touch-free way to check out.
Digital Wallet Compatibility
Add your card to mobile wallets for secure payments online, in apps, or in stores.
Automatic Card Updates
Visa Account Updater® (VAU) helps keep recurring payments working after reissue.
0% Intro APR for 6 months on purchases and balance transfers.44
| Intro APR* |
0.00% APR* for the first 6 billing cycles. Applies to purchases, balance transfers, and cash advances made within the first 6 months of opening your account. |
|---|---|
| Standard APR* for Purchases |
Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Standard APR* for Balance Transfers |
Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Standard APR* for Cash Advances |
Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Annual Fee |
$0 |
| Cash Advance Fee |
$0 |
| Balance Transfer Fee |
$0 |
| International Transaction Fee |
1% of the converted transaction amount |
| Other Fees |
Late Payment Fee: up to $27 |
| Minimum Finance Charge |
$0.50 |
| Credit Line Amounts |
Minimum: $1,000 |
Quick Links
FAQs
▸ Is the SCCU Visa® Low Rate Credit Card a rewards card?
No. It’s not a rewards card. Instead, this card is designed to keep things simple, with a competitive interest rate that makes it a good option if you plan to carry a balance or want to minimize interest costs.
▸ Does the SCCU Visa® Low Rate Credit Card have an annual fee?
There's no annual fee on our SCCU Visa Low Rate credit card.
▸ How do I request a balance transfer on a SCCU Visa® Low Rate Credit Card?
Balance transfer requests can be made by calling us, visiting a branch, or sending a secure message in Online Banking.
▸ Is there a balance transfer fee?
No. SCCU does not charge a balance transfer fee on the Visa® Low Rate Credit Card.
▸ What is the minimum credit limit on the Visa® Low Rate Credit Card?
Visa Low Rate credit cards have a minimum credit limit of $1,000.
▸ How does the introductory 0% APR work?
The Visa® Low Rate Credit Card offers a 0% introductory APR for the first 6 billing cycles on purchases, balance transfers, and cash advances. After the introductory period ends, a variable APR applies based on creditworthiness. See Pricing & Terms for details.