Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	18%SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% when you open your account.”SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	18%SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% when you open your account.”SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	18%SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% when you open your account.”SKYONE · 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	$0SKYONE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$0”SKYONE · 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

Starter Visa Terms and Conditionspage 1 of 1

Starter Classic Visa Terms and Conditions ®

Important Information on Rates, Fees and Other Costs

E ective 01-17-2018 ▦

Charges Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances · 18.00% when you open your account. Minimum Monthly Payment · 2% of the outstanding balance or $40, whichever is greater. 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 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 . · Alert Me Fees Annual Fee · $0 Penalty Fees · • Multiple Currency Transaction: 1.0% of transaction • Late Payment: $25 for the rst violation, $30 for the next violation(s) during the next 6 billing cycles • Overlimit: $0 • Return Payment: $0 Average daily balance including new purchases. Balance Computation Method Finance Charge · Calculated using monthly periodic data.

Advertised rate includes a 0.25% discount for automatic payments. Without Autopay, your annual percentage rate will be 0.25% higher.

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.

SKYONE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% when you open your account.”
Read exact source ↗
SKYONE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% when you open your account.”
Read exact source ↗
SKYONE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% when you open your account.”
Read exact source ↗
SKYONE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$0”
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SKYONE
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.”
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, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: Skyone Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 6248
Branches: 3 in CA, TX
Sources: Official issuer · 1 document · 1 page cited

Documents

Starter Visa Terms and Conditionseffective date not parsed

Starter Classic VisaSkyone Credit Union · federal credit union, CA · NCUA 6248

Rates and fees