* 0% APR promotional rate is applicable for all credit cards opened on or before September 30^th, 2023. For cards opened before those dates, o% APR applies for purchases made between April 23, 2023, and April 23, 2024. The 12 billing cycles start from the day of conversion or the day of account opening, whichever is the latest.

** The annual fee will be waived for the first year that the platinum credit card is opened.

* APR means annual percentage rate.

¹ If you established your account before December 31, 2023, you will pay 0% APR for 12 billing cycles on purchases you make using your OAS FCU Visa credit card starting from the day you make your first purchase using that card. Once the promotion period expires, any remaining balance on such purchases will have your card’s standard rate at that time applied to it thereafter. This special offer is available only to members in good standing; if you are more than 60 days in arrears on your credit card payments during this promotional period, the rate will revert to the standard rate on your card. At those times, and when there are balances on which special rates are not in effect, OAS FCU’s Visa credit card is a line of credit with a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your card’s rate may change on any of the following dates each year: the first day of January, April, July or October. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a higher rate than the lowest listed, for a smaller line of credit than you requested, and your application might also be denied. Also, If you open a Visa Platinum before December 31, 2023, OAS FCU will waive the first annual fee on your card.

² The promotional rate will be applied to the transferred amount during the first 12 billing cycles after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time. This offer is available only to members in good standing. Balance transfers will only be allowed up to the amount available on your line of credit at the time of your request.

⁴ Visa’s Zero Liability policy guarantees that you won’t be held responsible for any unauthorized transactions made with your card as long as you report them promptly.  It covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions.

⁵ Note that while OAS FCU will not charge any fee for cash advances at an ATM or anywhere else, you may incur ATM usage fees related to the financial institution that owns a machine where you request a cash advance.