VISA Credit Cards

With a Waterfront Classic VISA you can expect:

  • 2.99% APR for all Balance Transfers until 4/15/19 and rate remains on transferred balances until April 2020!¹
  • Same low, fixed rate for purchases & cash advances of 9.90% APR for EVERYONE!*
  • No annual fee
  • No balance transfer fees
  • 25-Day grace period on purchases
  • 24-Hour toll-free customer service
  • Credit limit up to $25,000
  • Global acceptance at over 19 million merchants worldwide

Download Balance Transfer Form Here

*On approved credit. Some restrictions may apply. Contact us for any changes that may have occurred since the effective date below at 800.423.1071.

¹Contact the Credit Union for full details. Rate remains at 2.99% APR on transferred balances until April 2020. Balance Transfer Special cannot be used to pay off another Waterfront loan or Waterfront VISA Credit Card.

To see if we can increase your current Waterfront Credit Card limit

To open a new Waterfront Credit Card

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Effective January 1, 2019*

Application and Solicitation Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90%
APR for Balance Transfers 2.99% until 4/15/19¹
APR for Cash Advances 9.90%
Penalty APR and When It Applies None
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.
Minimum Interest Charge None
How will we calculate Your Balance We use a method called "average daily balance (including new purchases)."
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
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee 2.00% of the amount of each cash advance
Foreign Transaction Fee 2.00% of each transaction in U.S. dollars
Transaction Fee for Purchases None
Penalty Fees
Late Payment Fee Up to $25.00
Returned Payment Fee Up to $25.00
Over Limit Fee None

Click here for our VISA Credit Card Disclosure document.

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