Visa® Credit Cards

Visa summer 2017 promo image

Make a Splash! Use your TwinStar Credit Union Visa® credit card this summer for a chance to win $1,000 for yourself and a worthy cause.

Each purchase transaction enters you to win $1000 for yourself and $1000 to the charity of your choice, like the Food Bank, Senior Services or Boys & Girls Club. Details and qualifications for this contest apply, see official rules for details**.


Transfer your balance, free

Get cash back when you transfer other credit card balances to your TwinStar Visa® credit card.*

Balance transfer rates as low as 6.75% APR*. No balance transfer fees

  • Transfer a $2,500 balance to a TwinStar Visa® credit card and receive $50.
  • Transfer a $5,000 balance or more and receive $100.

Hurry, balance transfer cash back promotion ends September 9, 2017.


*APR = Annual Percentage Rate. All APRs are variable and subject to change quarterly. Balance transfer rates for Platinum 6.75% APR, Platinum Rewards 7.75% APR and Classic 8.75% APR. As of June 10, 2017 the variable APRs for purchases are: Visa Platinum – 9.75% Purchase APR; and Visa Platinum Rewards – 10.75% APR. Platinum Rewards has an annual fee of $25.00. All accounts are subject to a foreign transaction fee of up to 2% of the US dollar amount of the foreign transaction or $2.50 whichever is greater. Other fees for late payments, returned check, or card replacement apply. Contact the Credit Union at 1.800.258.3115 for additional program terms and conditions. All Visa accounts are subject to credit approval.

**Official contest rules: Each purchase transaction on a TwinStar Credit Union Visa® credit card account (excludes cash advances, balance transfers, ATM withdrawals and credit vouchers) between July 10, 2017 and September 9, 2017 will be automatically entered to win. Odds of winning are dependent on the number of qualified entries received. No purchase is necessary to win, an entry may be submitted by printing your name, address and phone number and mailing to: TwinStar Credit Union, Attn: Paulette Raico, PO Box 718, Olympia, WA 98507-0718. Entry must be received by 09/09/2017. Members must be 18 years or older on July 10, 2017 to enter. TwinStar Credit Union and affiliate employees, volunteers, and their immediate family members are not eligible for this contest. The drawing will be performed by members of the TwinStar Credit Union Marketing department. Drawing will take place on September 11, 2017. Winners will receive a Form 1099-MISC in January 2018 or the cash value of the prize. Winners are responsible for paying any and all taxes that apply. Winners need not be present to win. Prizes will be awarded no later than September 15, 2017. To obtain list of winners write to: TwinStar Credit Union, Attn: Paulette Raico, PO Box 718, Olympia, WA 98507-0718. By entering this contest you consent to the use of your name in TwinStar Credit Union publications and digital media.

Visa

  • For those in need of a basic credit card, the TwinStar Classic card is for you. The Classic card is a great way to establish a solid credit score. Parents – contact TwinStar Credit Union and we’ll help set up a Classic account for your teenage kids that will lay the foundation for their future borrowing needs.

    Purchase APR

    11.75% APR Variable

    Introductory APR

    1.90% Fixed

    After 6 month introductory period, rate changes to purchase APR

    Balance Transfer APR

    8.75% APR Variable

    Cash APR

    14.75% APR Variable

    Annual Fee

    None
  • The Platinum Visa from TwinStar is the best option for members with established credit. Higher limits and lower rates make this the perfect card to carry everywhere. This card is also a great solution to those Members wanting to move balances away from other high-rate cards. Now enhanced with EMV chip technology to keep your transactions secure.

    Purchase APR

    9.75% APR Variable

    Introductory APR

    1.90% Fixed

    After 6 month introductory period, rate changes to purchase APR

    Balance Transfer APR

    6.75% APR Variable

    Cash APR

    12.75% APR Variable

    Annual Fee

    None
  • The Platinum Rewards card from TwinStar is designed for our members who want to earn rewards with each eligible purchase. Your rewards can be used for airline tickets with no blackout dates and few restrictions AND a whole lot more! Learn more.

    Book hotel rooms and cruises, purchase merchandise and gift cards and even make charitable donations with your accumulated points

    .

    Purchase APR

    10.75% APR Variable

    Introductory APR

    1.90% Fixed

    After 6 month introductory period, rate changes to purchase APR

    Balance Transfer APR

    7.75% APR Variable

    Cash APR

    13.75% APR Variable

    Annual Fee

    $25

* APR = Annual Percentage Rate. All rates based on approved credit.

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00
Lost Card Replacement Fee: $5.00

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year.

For full printable disclosure and card agreement, Click here