Sunward Credit UnionVisa Platinum Value Credit CardRegistry illustration · issuer artwork unavailable

Visa Platinum Value Credit CardSunward Credit Union · federal credit union, CA · NCUA 5851

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “SLFCU VISA PLATINUM VALUE”

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Purchase APR

—

Balance transfer

2.99% for 12 mo

then 12.75%–15.25%

Cash advance APR

—

Annual fee

No annual or balance transfer fees

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 transfersintroductory rate first
Introductory, 12 months	2.99%SUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.99% introductory APR for 12 months from the first qualifying transaction. After that, your APR will be 12.75% to 15.25%.”SUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	12.75%–15.25% variableSUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.99% introductory APR for 12 months from the first qualifying transaction. After that, your APR will be 12.75% to 15.25%.”SUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
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	No annual or balance transfer feesSUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual or balance transfer fees”SUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	$0, No annual or balance transfer feesSUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual or balance transfer fees”SUNWARD · 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
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular	for 12 months on balance transfersSUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“for 12 months on balance transfers”SUNWARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Credit Card Agreementpage 1 of 6

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

SLFCU VISA PLATINUM VALUE/SLFCU VISA PLATINUM REBATE/SLFCU VISA SIGNATURE

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as 'Agreement') govern the terms and conditions of this Account. 'We,' 'Us,' 'Our' and 'Ours' and 'Credit Union' refers to Sandia Laboratory Federal Credit Union with which this Agreement is made. 'You,' 'Your,' and 'Yours' refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

SECURITY INTEREST

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase.

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount.

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.

USING YOUR ACCOUNT By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.

CREDIT LIMIT We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law.

CONVENIENCE CHECKS We may, from time to time, issue convenience checks to You that may be drawn on Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment

1 2 3 4 5 6No 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.

SUNWARD
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c30caa4c3eae0ebf77c3a5edf5f44ca3e7ef5c98802e0ae87636adcf6a0e8c12
“2.99% introductory APR for 12 months from the first qualifying transaction. After that, your APR will be 12.75% to 15.25%.”
Open source link ↗
SUNWARD
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c30caa4c3eae0ebf77c3a5edf5f44ca3e7ef5c98802e0ae87636adcf6a0e8c12
“for 12 months on balance transfers”
Open source link ↗
SUNWARD
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c30caa4c3eae0ebf77c3a5edf5f44ca3e7ef5c98802e0ae87636adcf6a0e8c12
“No annual or balance transfer fees”
Open source link ↗
SUNWARD
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:c30caa4c3eae0ebf77c3a5edf5f44ca3e7ef5c98802e0ae87636adcf6a0e8c12
“Visa® protection and fraud monitoring”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Balance transfer fee

Offered through: Sunward Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 5851
Branches: 15 in CA, CO, NM
Sources: Official issuer · 1 document · 0 pages cited

Documents

Credit Card Agreementeffective date not parsedName declaration: SLFCU VISA PLATINUM VALUE · page 1

Visa Platinum Value Credit CardSunward Credit Union · federal credit union, CA · NCUA 5851

Rates and fees