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Visa® PlatinumRemove

Hudson Valley Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, 12 months0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
After14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances14.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual fee$0HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance3% of the amount, 3%HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer—
Foreign transaction1% of the amount, 1%HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment$25, $25HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Returned payment—
Other APRsoutside the standard boxes0%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Cash advance · Introductory; Cash advance · Regular; Purchase · Introductory; Purchase · RegularAPR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 14.75% to 18.00% APR. Variable APRs vary with the market based on the Prime Rate. This 0% introductory offer is valid for new HVCU Visa Platinum credit card accounts only. All other credit cards, including Visa Secured, are not eligible for this offer and may be not be combined with any other offers or discounts unless otherwise expressly noted. No exceptions will be made or considered. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you. Rewards and/or rebates are not eligible with this offer. After the introductory period, rates for this product are as low as stated and are determined by an evaluation of applicant credit; your rate may vary from the rate shown.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website