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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Artwork source · THE Summit Credit Union ↗

Visa GoldTHE Summit Credit Union · federal credit union, NY · NCUA 4580

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
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Purchase APR
10.25%–18%
variable
Balance transfer
10.25%–18%
variable
Cash advance APR
—
Annual fee
$0 |
a year
Foreign fee
1%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases10.25%–18% variableTHE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.25% – 18.00% |”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers10.25%–18% variableTHE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.25% – 18.00% |”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
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$0 |THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“$0 |”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance2% of the amount, Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. A $75 Annual Fee applies to Visa Signature®️ Credit Card.THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. A $75 Annual Fee applies to Visa Signature®️ Credit Card.”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, $0THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“$0”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction1% of the amount, Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. A $75 Annual Fee applies to Visa Signature®️ Credit Card.THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. A $75 Annual Fee applies to Visa Signature®️ Credit Card.”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsBalance transfer · Regular; Purchase · Regular 10.25% – 18.00% | THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“10.25% – 18.00% |”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website