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VISA Low-Rate Variable

Cyprus Federal Credit Union

One State/TerritoryVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
10.49–18%
Annual fee
None
0% intro
6 mo
0% transfer
6 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
12.49%
720+
10.49%
Lowest offered10.49%
Median12.49%
Highest offered18%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 6 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.99%
Median17.99%
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: Late Fee. If your payment is not received within 10 days after its due date, you will pay a late fee equal to five percent (5%) of the payment amount, or $25, whichever is greater, but not more than $29.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Credit card registration
  • Debt cancellation coverage
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesUT
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-801-260-7700
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 12.49% afterwards.

Cost to carry a balance
Interest for a year at 12.49%$374.70
Annual / periodic fees$0
Total yearly cost$374.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Cyprus Federal Credit Union in the 2026 Q1 archive.

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