Artwork source · Electel Cooperative Credit Union ↗

Visa PlatinumElectel Cooperative Credit Union · federal credit union, NC · NCUA 24819

CurrentLast observed Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

p.1none

Foreign fee

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Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	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	$0ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $20 — Late Payment Fee:ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $20.00”ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $23 — Returned Payment Fee:ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $23.00”ELECTEL COOPERATIVE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

CC rate disclsoure 1 2page 1 of 1

APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · to , based on your creditworthiness. APR for Balance Transfers · to , based on your creditworthiness. APR for Cash Advances · to , based on your creditworthiness. 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 if you pay your entire balance by the due date each month. 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 - Annual Fee · None Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee · None None 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $20.00 Up to $23.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)."

Effective Date:

The information about the costs of the card described in this application is accurate as of: This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:

Late Payment Fee:

$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Returned Payment Fee:

$23.00 or the amount of the required minimum payment, whichever is less.

1Page 1 is cited

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.

ELECTEL COOPERATIVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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ELECTEL COOPERATIVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $20.00”
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ELECTEL COOPERATIVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $23.00”
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ELECTEL COOPERATIVE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Late payment fee, Returned payment fee

Offered through: Electel Cooperative Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24819
Branches: 5 in NC
Sources: Official issuer · 2 documents · 1 page cited

Documents

CC rate disclsoure 1 2effective date not parsed
CREDIT CARD AGREEMENT 3effective date not parsed

Visa PlatinumElectel Cooperative Credit Union · federal credit union, NC · NCUA 24819

Rates and fees