Dow Credit UnionLOW RATE VISA® CREDIT CARDRegistry illustration · issuer artwork unavailable

LOW RATE VISA® CREDIT CARDDow Credit Union · state credit union, MI · NCUA 60137

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

10.49%

variable

Balance transfer

0% for 15 billing cycles

no ongoing rate filed

Cash advance APR

10.49%

variable

Annual fee

No annual, cash advance, or international transaction fees

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	10.49% variableDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.49%”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 15 billing cycles	0%DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0.00%”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	Not disclosedDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	10.49% variableDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.49%”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty APRafter a late or returned payment	—	no source read
Variable APR capthe calculated APR will not exceed this amount	up to 24.99%	—	—
Paying interestgrace period on new purchases	—	no source read
Minimum interest charge	$0DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“None”DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Annual fee	No annual, cash advance, or international transaction feesDOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No annual, cash advance, or international transaction fees”DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Transaction fees
Cash advance	$0, No annual, cash advance, or international transaction feesDOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No annual, cash advance, or international transaction fees”DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Balance transfer	3% of the amount, minimum $25, $25.00DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“$25.00”DOW · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
APR qualificationsBalance transfer · Introductory	Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Regular	Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate VisaDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsCash advance · Regular	Cash Advance APR: Prime plus 3.74% for Low Rate VisaDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Cash Advance APR: Prime plus 3.74% for Low Rate Visa”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsPurchase · Regular	Purchase APR: Prime plus 3.74% for Low Rate VisaDOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Purchase APR: Prime plus 3.74% for Low Rate Visa”DOW · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Low Rate Visapage 1 of 7

LOW RATE VISA ® CREDIT CARD AGREEMENT & DISCLOSURE

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases · 10.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Cash Advances · 10.49% After that, your APRwill vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Balance Transfers · 0.00% Introductory APRfor the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening. After that, your APRwill vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (including balance transfers) if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · None For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore

FEES

Annual Fee · None Introductory Balance Transfer Fees · The greater of $25.00 or 3% of the amount of the balance transfer Transaction Fees l International Transaction Fee · $0.00 Penalty Fees Other Fees l Statement Copy Fee l 2-Day Rush Card Fee l Instant Reissue Card Fee l Payment by Phone Fee · $ 0.20 per page $30.00 $ 5.00 $ 5.00

How We Will Calculate Your Balance: Weuse a method called 'Average Daily Balance (excluding new purchases).'

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Additional Disclosures Required by Federal Law.

Frequently Used Terms: For the purposes this document, "Agreement" is defined as all disclosures and terms that are included in the LOW RATE VISA CREDIT CARD AGREEMENT & DISCLOSURE (also referenced in the Application as the "Consumer Credit Card Agreement and Disclosure").

MILITARY LENDING ACT DISCLOSURES

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

1 2 3 4 5 6 7No 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.

DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“0.00%”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“10.49%”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“Cash Advance APR: Prime plus 3.74% for Low Rate Visa”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“10.49%”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“Purchase APR: Prime plus 3.74% for Low Rate Visa”
Open source link ↗
DOW
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861
“No annual, cash advance, or international transaction fees”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“No annual, cash advance, or international transaction fees”
Open source link ↗
DOW
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861
“$25.00”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“$25.00”
Additional source detail; structured values remain unknown. Balance-transfer fee is the greater of $25 or 3%; its formula is split over separate native text nodes.
Open source link ↗
DOW
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861
“Low Rate Visa”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“Low Rate Visa”
Open source link ↗
DOW
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861
“None”
Open source link ↗
DOW
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:b36f5db9e362ecaeea46d6f4e5220d00174383ad9fd462d195288c91d2b5ef11
“None”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Balance transfer APR, Cash advance APR, Purchase APR
Oct 13, 2026: Annual fee, Balance transfer fee, Cash advance fee

Offered through: Dow Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60137
Branches: 2 in MI
Sources: Official issuer · 1 document · 0 pages cited

Documents

Low Rate Visaeffective date not parsed

LOW RATE VISA® CREDIT CARDDow Credit Union · state credit union, MI · NCUA 60137

Rates and fees