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Visa Platinum

Down East Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11.90–17.90%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
16.90%
≤619
17.90%
620–719
12.90%
720+
11.90%
Lowest offered11.90%
Median14.90%
Highest offered17.90%

Balance transfer APR

Promotional window: 12 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 offered11.90%
Median14.90%
Highest offered17.90%

Every fee on this card

Annual feeNone
Balance transfer fee4%
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$32
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • 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
StatesME
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation

Geographic: Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity

Affiliation: live, work & worships in these counties.

Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.90% afterwards.

Cost to carry a balance
Interest for a year at 14.90%$447
Annual / periodic fees$0
Total yearly cost$447

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

2 documents filed by Down East Credit Union in the 2026 Q1 archive.

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