Fibre Credit UnionVISA CLASSICRegistry illustration · issuer artwork unavailable

VISA CLASSICFibre Credit Union · federal credit union, OR · NCUA 2191

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

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Purchase APR

10.50%

Balance transfer

—

Cash advance APR

—

Annual fee

None

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	10.50%FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Visa Classic: 10.50%”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
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	NoneFIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$0, NoneFIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $20 — Up to $20FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Up to $20”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Returned payment	$15, $15FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$15”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsPurchase · Regular	Visa Classic: 10.50%FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Visa Classic: 10.50%”FIBRE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

APPLICATION AND SOLICITATION DISCLOSUREpage 1 of 2

APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · Visa Platinum Introductory APR for a period of six billing cycles. After that, your APR will be . Visa Classic APR for Balance Transfers · Visa Platinum Introductory APR for a period of six billing cycles. After that, your APR will be . Visa Classic APR for Cash Advances · Visa Platinum Visa Classic How to Avoid Paying Interest on Purchases · Your due date is at least 30 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 Transaction Fees - Foreign Transaction Fee · Up to 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $20.00 Up to $15.00

How We Will Calculate Your Balance:

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

Promotional Period for Introductory APR - Visa Platinum:

The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Fibre Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

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.

1 2No 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.

FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“Visa Classic: 10.50%”
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“None”
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“None”
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“Up to $20”
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“$15”
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“Up to 1% of the US dollar amount of the foreign transaction”
Additional source detail; structured values remain unknown. The stated foreign transaction fee is an upper bound; no exact percentage is asserted.
Open source link ↗
FIBRE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:6a7dfb6ab28d40cf753efca48225351a4eebbbcd59992ae1a4f1376200eab668
“{{RATE}}”
Additional source detail; structured values remain unknown. The balance-transfer rate is an unresolved {{RATE}} placeholder.
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Cash advance fee, Late payment fee, Purchase APR, Returned payment fee

Offered through: Fibre Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 2191
Branches: 16 in OR, WA
Sources: Official issuer · 7 documents · 0 pages cited

Documents

APPLICATION AND SOLICITATION DISCLOSUREeffective date not parsedName declaration: Visa Classic · page 1
APPLICATION AND SOLICITATION DISCLOSUREeffective date not parsedName declaration: VISA CLASSIC · page 1
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSUREeffective date not parsedName declaration: VISA CLASSIC · page 1
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSUREeffective date not parsedName declaration: VISA CLASSIC · page 1
Visa_Credit_Agrmnt_Disceffective date not parsedName declaration: Visa Classic · page 1
Visa Credit Card Agreement and Disclosureeffective date not parsedName declaration: VISA CLASSIC · page 1
Visa Line of Credit Pricing Informationeffective date not parsedName declaration: VISA CLASSIC · page 1

VISA CLASSICFibre Credit Union · federal credit union, OR · NCUA 2191

Rates and fees