Credit Cards

 

It’s true. Credit union rates have their perks.

TAPCO has a Visa card to fit your needs—Classic, Gold Rewards, or Premium. Your TAPCO Visa card can be used at millions of locations worldwide and may provide overdraft protection for your TAPCO checking account. Contact us or apply online to start enjoying the convenience of a TAPCO Visa Card with special introductory rates.

Visa Credit Card Agreement  Apply Online

Interest Rates and Interest Charges

Card Type

Visa Classic

Visa Gold Rewards

Visa Premium

Annual Percentage Rate (APR) for Purchases

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 14.25% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 10.75% to 15.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

2.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 8.25% to 12.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 14.25% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 10.75% to 15.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

3.99% Introductory APR for a period of 12 billing cycles.

After that, your APR will be 8.25% to 12.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 14.25% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 10.75% to 15.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

4.99% Introductory APR, for qualifying members, for a period of 12 billing cycles.

After that, your APR will be 8.25% to 12.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate

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.

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. 

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

None

None

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.  

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.  

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

Annual Fee

None

$30.00 for Peak Rewards Members
$50.00 for Non-Peak Rewards Members

None

Transaction Fees

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Balance Transfer: None
Cash Advance: $5.00 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3% of each transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25
Returned Payment: Up to $27
Late Payment: Up to $25
Returned Payment: Up to $27
Late Payment: Up to $25
Returned Payment: Up to $27

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your account agreement for more details.
The above information about the costs of the cards described in this application is accurate as of 8/8/2014. This information may change after this date. To find out what may have changed, call us at (253) 565-9895 or (800) 345-7183 or write to us at TAPCO Credit Union, PO Box 64369, Tacoma WA 98464.


Looking to balance transfer? 

Now through February 29, transfer balances to an existing TAPCO Visa credit card and free up funds for the New Year. Get a 0% APR* until 12/19/2020 with a 3% fee on balance transfers ($15 minimum). After 12/19/2020, the standard variable balance transfer rates apply, currently 8.75% - 17.95% APR. 

Transfer My Balance

Control your Credit & Debit Cards via your Smartphone with CardNav**

CardNav by CO-OP is a mobile application providing transaction-level alerts and controls via your personal smartphone or tablet. It provides real-time management of your cards for increased security and control. With CardNav you are able to:

  • Turn cards on and off
  • Restrict types of purchases
  • Receive and respond to instant transaction alerts
  • Enter and edit international travel events
  • Set location services to deter fraudulent activity
  • Limit spending amounts to help reach your budget goals
  • Set card alerts to monitor purchases and take immediate actions

Google Play CardNav  App Store CardNav

*APR=Annual Percentage Rate. Balance Transfer requests processed between 1/1/2020 and 2/29/2020 will receive a 0% APR until 12/19/2020. After 12/19/2020, the rate will change to your standard Balance Transfer APR, currently 8.75%-17.95%, and will vary with the market based upon the Prime Rate. See your Account Opening Disclosure for more details regarding your standard Balance Transfer APR. Balance Transfers are calculated in the same manner as a Cash Advance and accrue finance charges from the date the transfer is posted to your account. Balance Transfers do not earn Rewards points. The balance transfer will take approximately two weeks. There is a 3.00% fee for balance transfers ($15 minimum). Maximum total amount limited to approved credit line. TAPCO is not responsible for closing your other accounts, and you should continue to pay those accounts accordingly. TAPCO is not responsible for your late payments on the transferred accounts. All loans subject to credit approval.

**$2.00 monthly CardNav fee per card for Non-Peak Rewards Members. Free for Peak Rewards Members.

 

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