Communityamerica Credit UnionVisa ClassicRegistry illustration · issuer artwork unavailable

Visa ClassicCommunityamerica Credit Union · federal credit union, AL · NCUA 15732

Terms not observedCredit card · Consumer

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Application and Solicitation Disclosure 4.2026page 1 of 3

APPLICATION AND SOLICITATION DISCLOSURE

CommunityAmerica Federal Credit Union doing business as UNIFY Financial Credit Union

VISA CLASSIC/VISA GOLD/VISA PLATINUM/ VISA SECURED/VISA ENGAGE REWARDS

Interest Rates and Interest Charges Visa Classic · Visa Gold · Visa Platinum · Visa Secured · Visa Engage Rewards Annual Percentage Rate (APR) for Purchases · Fixed 7.24% to 13.99% Introductory APR for qualifying members, for a period of the first six billing cycles, based on your creditworthiness. After that, or if you do not qualify for an Introductory APR, your APR will be 14.49% to 17.99% , based on your creditworthiness. Variable 12.99% to 16.74% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. · Fixed 6.24% to 13.99% Introductory APR for qualifying members, for a period of the first six billing cycles, based on your creditworthiness. After that, or if you do not qualify for an Introductory APR, your APR will be 14.49% to17.99% , based on your creditworthiness. Variable 12.74% to 16.74% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. · Fixed 5.49% to 13.74% Introductory APR for qualifying members, for a period of the first six billing cycles, based on your creditworthiness. After that, or if you do not qualify for an Introductory APR, your APR will be 14.49% to 17.99% , based on your creditworthiness. Variable 12.49% to 16.74% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. · Fixed 11.49% · Variable 14.49% to 16.74% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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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.

No source metadata was published for this offer.

History

dates on sources or when they were captured

No source date is recorded for this product's terms.

Offered through: Communityamerica Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 15732
Branches: 85 in AL, AR, CA, IN, KS, KY, MI, MO, MS, NC, NV, TN, TX, WV
Sources: No source is published for this product

Documents

Application and Solicitation Disclosure 4.2026effective date not parsedName declaration: Visa Classic · page 1

Visa ClassicCommunityamerica Credit Union · federal credit union, AL · NCUA 15732

Rates and fees