Firstlight Credit UnionVISA PLATINUMRegistry illustration · issuer artwork unavailable

VISA PLATINUMFirstlight Credit Union · federal credit union, NM · NCUA 10174

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer

Open the document Download JSONAdd to compare

Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

a year

Foreign fee

—

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	$0FIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$0”FIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	the greater of $10 or 3% of the amount, $10.00 or 3% of the amount of each advance, whichever is greaterFIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$10.00 or 3% of the amount of each advance, whichever is greater”FIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	$0, $0FIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$0”FIRSTLIGHT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

2023-03-01 Visa Application and Solicitation Disclosurepage 1 of 3

APPLICATION AND SOLICITATION DISCLOSURE

VISA PLATINUM/VISA SECURED

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · Visa Platinum to Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. After that, or if you do not qualify for an Introductory APR, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured This APR will vary with the market based on the Prime Rate. 1.90% 5.90% 11.99% 18.00% 16.99% APR for Balance Transfers · Visa Platinum to Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. After that, or if you do not qualify for an Introductory APR, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured This APR will vary with the market based on the Prime Rate. 1.90% 5.90% 11.99% 18.00% 16.99% APR for Cash Advances · Visa Platinum to Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. After that, or if you do not qualify for an Introductory APR, your APR will be . This APR will vary with the market based on the Prime Rate. Visa Secured 1.90% 5.90% 18.00% 18.00% Penalty APR and When it Applies · This APR will vary with the market based on the Prime Rate. Visa Platinum Visa Secured None None 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.

1 2 3No 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.

FIRSTLIGHT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:38d152640141194d6615021443085349567ddae0ab2dbdeb6125ea4fba7eaece
“$0”
Open source link ↗
FIRSTLIGHT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:38d152640141194d6615021443085349567ddae0ab2dbdeb6125ea4fba7eaece
“$0”
Open source link ↗
FIRSTLIGHT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:38d152640141194d6615021443085349567ddae0ab2dbdeb6125ea4fba7eaece
“$10.00 or 3% of the amount of each advance, whichever is greater”
Open source link ↗
FIRSTLIGHT
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:38d152640141194d6615021443085349567ddae0ab2dbdeb6125ea4fba7eaece
“13.49% - 18.00%”
Additional source detail; structured values remain unknown. 13.49% - 18.00%
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer fee, Cash advance fee

Offered through: Firstlight Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 10174
Branches: 12 in NM, TX
Sources: Official issuer · 3 documents · 0 pages cited

Documents

2023-03-01 Visa Application and Solicitation Disclosureeffective date not parsedName declaration: VISA PLATINUM · page 1
Visa Consumer Credit Card Agreementeffective date not parsedName declaration: VISA PLATINUM · page 1
Visa Credit Card Agreementeffective date not parsedName declaration: VISA PLATINUM · page 1

VISA PLATINUMFirstlight Credit Union · federal credit union, NM · NCUA 10174

Rates and fees