Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	16.25% variableESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	16.25% variableESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	16.25% variableESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ESL · 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	—	no source read
Returned payment	—	no source read

Visa Secured Credit Card Interest Rates and Chargespage 1 of 2

ESL Visa ® Secured Credit Card Information

(09/18)

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 16.25% ThisAPR will vary with the market based on the Prime Rate 1 . APR for Balance Transfers · 16.25% ThisAPR will vary with the market based on the Prime Rate 1 . APR for Cash Advances · 16.25% ThisAPR will vary with the market based on the Prime Rate 1 . Penalty APR and When it Applies · 18.0% ThisAPR may be applied to your account if: 1. Your minimum monthly payment is not made for two consecutive billing cycles. How long will the Penalty APR apply? If your APRs are increased for the reason above, the PenaltyAPR will be applied until the billing cycle after your past due status is corrected. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $.50. 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 Transaction Fees •International Service Assessment · 1% of transaction amount Penalty Fees •Late Payment •Returned Payment Other Fees · Up to $25.00 Up to $25.00 None

1 We add 11.0% to the Prime Rate to determine the Purchase, Balance Transfer and Cash Advance Rates. As of 09/27/18, the Prime Rate was 5.25%. Your APR will not exceed the maximum allowed by applicable law, which is currently 18.00%.

1 2Page 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.

ESL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”
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ESL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”
Read exact source ↗
ESL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.25% ThisAPR will vary with the market based on the Prime Rate 1 .”
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ESL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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ESL
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 interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
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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ESL
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 interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: ESL Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24563
Branches: 34 in NY
Sources: Official issuer · 2 documents · 1 page cited

Documents

Visa Secured Credit Card Agreementeffective date not parsed
Visa Secured Credit Card Interest Rates and Chargeseffective date not parsed

Visa Secured Credit CardESL Credit Union · federal credit union, NY · NCUA 24563

Rates and fees