{"data":{"path":"dow-credit-union/low-rate-visa-credit-card","artwork":null,"name":"LOW RATE VISA® CREDIT CARD","officialName":"LOW RATE VISA® CREDIT CARD","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Dow Credit Union","handle":"dow-credit-union"},"institution":{"name":"Dow Credit Union","handle":"dow-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2431","offerKind":"standard","channel":null,"nameAsFiled":"LOW RATE VISA® CREDIT CARD","handle":null,"terms":{"productId":"3615","path":"dow-credit-union/low-rate-visa-credit-card","name":"LOW RATE VISA® CREDIT CARD","officialName":"LOW RATE VISA® CREDIT CARD","aliases":[],"institutionId":"75104","institutionName":"Dow Credit Union","institutionHandle":"dow-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":0,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1049,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1049,"purchaseRegularMaxBps":1049,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1049,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1049,"balanceTransferRegularMaxBps":1049,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":1049,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1049,"cashAdvanceRegularMaxBps":1049,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":300,"balanceTransferFeeMinimumCents":2500,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":0,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":0,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_applicable","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_applicable","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1049,"maxPurchaseAprBps":1049,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e3c6bcf172c6967f4dd4ca50a84c6171","pageNumber":null,"quote":"0.00%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:duration"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":15,"durationBillingCyclesNullReason":null,"eligibilityConditions":" Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e3c6bcf172c6967f4dd4ca50a84c6171","pageNumber":null,"quote":"0.00%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"09eb599609b064d625b03a42acf2de3d","pageNumber":null,"quote":"0.00% intro APR on balance transfers for up to 15 months and 10.49% variable APR*","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a241e1098320ef86cba207cfd4858b74","pageNumber":null,"quote":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a241e1098320ef86cba207cfd4858b74","pageNumber":null,"quote":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"09eb599609b064d625b03a42acf2de3d","pageNumber":null,"quote":"0.00% intro APR on balance transfers for up to 15 months and 10.49% variable APR*","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e261404268755d3be98a505240c0cce3","pageNumber":null,"quote":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"75df67655266e00281ce907e086493c7","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e261404268755d3be98a505240c0cce3","pageNumber":null,"quote":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"75df67655266e00281ce907e086493c7","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6230753cb16d4eca03553f3f91bb9fb0","pageNumber":null,"quote":"Purchase APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"006180de09025d82c48f4b036d4743c8","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Purchase APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6230753cb16d4eca03553f3f91bb9fb0","pageNumber":null,"quote":"Purchase APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"006180de09025d82c48f4b036d4743c8","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"03016cfa3025a33c8e2aa929e86d5ce6","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"None"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"1286042366559214740533d2ac570f2f","pageNumber":null,"quote":"3%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":300,"percentNullReason":null,"minimumAmountCents":2500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"3%"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"d5d177613c5bd1f28084916e92b7aa60","pageNumber":null,"quote":"No annual, cash advance, or international transaction fees","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No annual, cash advance, or international transaction fees"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"585ad6df18df810e0a15e9f6669056aa","pageNumber":null,"quote":"$30.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:expedited_delivery:1"}],"feeType":"expedited_delivery","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":3000,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$30.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"07ebb0b164cc1c2bc76ff732e394faa5","pageNumber":null,"quote":"$0.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$0.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"0876433ebbdcdc8d223484ce41a1c7f2","pageNumber":null,"quote":"$25.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6c277c6815ccd1394f979fb3df40a4b8","pageNumber":null,"quote":"$ 5.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:replacement_card:1"}],"feeType":"replacement_card","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$ 5.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"da5c911940ec6b4039d612639fb536f6","pageNumber":null,"quote":"$25.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25.00"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"af89ef8e66d0cd26f11275b1b4c9d741","pageNumber":null,"quote":"Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"network"}]},"partialCardMinimumFinanceCharge":{"minimumFinanceChargeCents":0,"currencyCode":"USD","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"974158d83fa8593f536bff18c535406d","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"minimum_finance_charge"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2431","offerKind":"standard","channel":null,"nameAsFiled":"LOW RATE VISA® CREDIT CARD","handle":null,"terms":{"productId":"3615","path":"dow-credit-union/low-rate-visa-credit-card","name":"LOW RATE VISA® CREDIT CARD","officialName":"LOW RATE VISA® CREDIT CARD","aliases":[],"institutionId":"75104","institutionName":"Dow Credit Union","institutionHandle":"dow-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":0,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1049,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1049,"purchaseRegularMaxBps":1049,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1049,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1049,"balanceTransferRegularMaxBps":1049,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":1049,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1049,"cashAdvanceRegularMaxBps":1049,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":300,"balanceTransferFeeMinimumCents":2500,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":0,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":0,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_applicable","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_applicable","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1049,"maxPurchaseAprBps":1049,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e3c6bcf172c6967f4dd4ca50a84c6171","pageNumber":null,"quote":"0.00%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:duration"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":15,"durationBillingCyclesNullReason":null,"eligibilityConditions":" Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a1dec22dbf27ec9aa806b7642fc3a041","pageNumber":null,"quote":"Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening.","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e3c6bcf172c6967f4dd4ca50a84c6171","pageNumber":null,"quote":"0.00%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"09eb599609b064d625b03a42acf2de3d","pageNumber":null,"quote":"0.00% intro APR on balance transfers for up to 15 months and 10.49% variable APR*","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a241e1098320ef86cba207cfd4858b74","pageNumber":null,"quote":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"a241e1098320ef86cba207cfd4858b74","pageNumber":null,"quote":"Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"09eb599609b064d625b03a42acf2de3d","pageNumber":null,"quote":"0.00% intro APR on balance transfers for up to 15 months and 10.49% variable APR*","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e261404268755d3be98a505240c0cce3","pageNumber":null,"quote":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"75df67655266e00281ce907e086493c7","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"e261404268755d3be98a505240c0cce3","pageNumber":null,"quote":"Cash Advance APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"75df67655266e00281ce907e086493c7","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6230753cb16d4eca03553f3f91bb9fb0","pageNumber":null,"quote":"Purchase APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"006180de09025d82c48f4b036d4743c8","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1049,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1049,"maximumBpsNullReason":null,"indexName":"prime","marginBps":374,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":2499,"rateCapBpsNullReason":null,"penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Purchase APR: Prime plus 3.74% for Low Rate Visa","eligibilityConditionSources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6230753cb16d4eca03553f3f91bb9fb0","pageNumber":null,"quote":"Purchase APR: Prime plus 3.74% for Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"006180de09025d82c48f4b036d4743c8","pageNumber":null,"quote":"10.49%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"03016cfa3025a33c8e2aa929e86d5ce6","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"None"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"1286042366559214740533d2ac570f2f","pageNumber":null,"quote":"3%","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":300,"percentNullReason":null,"minimumAmountCents":2500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"3%"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"d5d177613c5bd1f28084916e92b7aa60","pageNumber":null,"quote":"No annual, cash advance, or international transaction fees","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No annual, cash advance, or international transaction fees"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"585ad6df18df810e0a15e9f6669056aa","pageNumber":null,"quote":"$30.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:expedited_delivery:1"}],"feeType":"expedited_delivery","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":3000,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$30.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"07ebb0b164cc1c2bc76ff732e394faa5","pageNumber":null,"quote":"$0.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$0.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"0876433ebbdcdc8d223484ce41a1c7f2","pageNumber":null,"quote":"$25.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"6c277c6815ccd1394f979fb3df40a4b8","pageNumber":null,"quote":"$ 5.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:replacement_card:1"}],"feeType":"replacement_card","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$ 5.00"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T23:59:42.169Z","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"da5c911940ec6b4039d612639fb536f6","pageNumber":null,"quote":"$25.00","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25.00"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"af89ef8e66d0cd26f11275b1b4c9d741","pageNumber":null,"quote":"Low Rate Visa","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"network"}]},"partialCardMinimumFinanceCharge":{"minimumFinanceChargeCents":0,"currencyCode":"USD","sources":[{"snapshotId":"51569","sourceKind":"official_issuer","publisherName":"DOW","capturedAt":"2026-10-13T23:59:42.169Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://dowcreditunion.org/loans/credit-cards/low-rate-credit-card","passageId":"974158d83fa8593f536bff18c535406d","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:3ac30cb6327b1c9d94bc6c091d4ccc6b23c2faa98bceae14345fe519c60f3861","recordFields":[],"fieldKey":"minimum_finance_charge"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48604","path":"dow-credit-union/low-rate-visa","title":"Low Rate Visa","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Dow Credit Union","handle":"dow-credit-union"},"identityDeclarations":[]}]}}