Beacon Community Credit UnionVISA PLATINUMRegistry illustration · issuer artwork unavailable

VISA PLATINUMBeacon Community Credit Union · state credit union, KY · NCUA 60883

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer

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Purchase APR

8.99%–15.99%

fixed

Balance transfer

0% for 6 billing cycles

then 8.99%–15.99%

Cash advance APR

10.99%–17.99%

fixed

Annual fee

Our Visa Platinum is a card with no surprises. Our card offers a fixed rate and no annual fee. Have the convenience of a credit card without the hassle of a high interest rate. Access your Visa line on our mobile app or through home branch to do an advance, make a payment, or look at transactions. Same day approvals in most instances.

a year

Foreign fee

of the amount

Grace period

—

Visa Platinum Application and Solicitation Disclosurepage 1 of 1

7910 NationalTpke. Louisville,KY 40214-4904 502-366-6022

VISA PLATINUM APPLICATION AND SOLICITATION DISCLOSURE

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six (6) months following the opening of your account

Loss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Effective Date

The information about the costs of the card described in this application is accurate as of April 1,2014.

This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHERDISCLOSURES

Late Payment Fee · $28.00 · or the amount of the required minimum payment, whichever is less, if you are ten(10) or more days late in making a payment. Returned Payment Fee · $28.00 S ess. · or the amount of the required minimum payment, whichever Statement Copy Fee · $2.00 Document Copy Fee · $2.00 Rush Fee · $30.00 Emergency Card Replacement Fee · $50.00 PIN Replacement Fee · $1.00 Card Replacement Fee · $10.00

1No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“0.00%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“Introductory APR for a period of six billing cycles.”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“, based on your creditworthiness.”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“8.99%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“10.99%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“Introductory APR for a period of six billing cycles.”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“0.00%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“8.99%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“, based on your creditworthiness.”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“Our Visa Platinum is a card with no surprises. Our card offers a fixed rate and no annual fee. Have the convenience of a credit card without the hassle of a high interest rate. Access your Visa line on our mobile app or through home branch to do an advance, make a payment, or look at transactions. Same day approvals in most instances.”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“2.00% of each balance transfer”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“2.00% of each cash advance”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“$2.00”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“$30.00”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“2.00%”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“$10.00”
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“$28.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment”
Additional source detail; structured values remain unknown. A lesser-of penalty depends on the required minimum payment; no fixed amount is inferred.
Open source link ↗
BEACON COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:bbabd6ec9ca462700d73b4b1851e58eba9509b10a8879f76931d33b92c0aab48
“$28.00 or the amount of the required minimum payment, whichever is less”
Additional source detail; structured values remain unknown. A lesser-of penalty depends on the required minimum payment; no fixed amount is inferred.
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance APR, Cash advance fee, Documentation fee, Expedited delivery fee, Foreign transaction fee, Purchase APR, Replacement card fee

Offered through: Beacon Community Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60883
Branches: 3 in KY
Sources: Official issuer · 1 document · 0 pages cited

Documents

Visa Platinum Application and Solicitation Disclosureeffective date not parsed

Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 6 billing cycles	0%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0.00%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
	8.99%–15.99%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“8.99%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 6 billing cycles	0%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0.00%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	8.99%–15.99%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“8.99%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	10.99%–17.99%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.99%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	Our Visa Platinum is a card with no surprises. Our card offers a fixed rate and no annual fee. Have the convenience of a credit card without the hassle of a high interest rate. Access your Visa line on our mobile app or through home branch to do an advance, make a payment, or look at transactions. Same day approvals in most instances.BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Our Visa Platinum is a card with no surprises. Our card offers a fixed rate and no annual fee. Have the convenience of a credit card without the hassle of a high interest rate. Access your Visa line on our mobile app or through home branch to do an advance, make a payment, or look at transactions. Same day approvals in most instances.”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	2% of the amount, 2.00% of each cash advanceBEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.00% of each cash advance”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	2% of the amount, 2.00% of each balance transferBEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.00% of each balance transfer”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	2% of the amount, 2.00%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.00%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other fees
Documentation	$2, $2.00BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$2.00”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Expedited delivery	$30, $30.00BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$30.00”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Replacement card	$10, $10.00BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$10.00”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Introductory; Purchase · Introductory	Introductory APR for a period of six billing cycles.BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Introductory APR for a period of six billing cycles.”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Regular; Purchase · Regular	, based on your creditworthiness.BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“, based on your creditworthiness.”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsCash advance · Regular	10.99%BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.99%”BEACON COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

VISA PLATINUMBeacon Community Credit Union · state credit union, KY · NCUA 60883

Rates and fees