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56

VISA

Ravenswood Federal Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
12.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

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

Lowest offered12.90%
Median12.90%
Highest offered12.90%

Cash advance APR

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

Lowest offered12.90%
Median12.90%
Highest offered12.90%

Every fee on this card

Annual feeNone
Balance transfer fee2% (min $5)
Cash advance fee2% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$28
Over-limit feeNone
Minimum finance charge$5
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Chip card

Who can get this card

AvailabilityOne State/Territory
StatesWV
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: RESIDE IN JACKSON COUNTY OR WORK IN JACKSON COUNTY

Phone3042730515
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.90%$387
Annual / periodic fees$0
Total yearly cost$387

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.

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