Interest Rates and Interest Charges:

  • Annual Percentage Rate (APR) for Purchases: 7.90% to 21.00% based on your creditworthiness. 

  • APR for Balance Transfers: 7.90% to 21.00% based on your creditworthiness.

  • APR for Cash Advances: 7.90% to 21.00% based on your creditworthiness.

  • Penalty APR and When it Applies: None

  • How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

  • Minimum Interest Charge: None

  • For Credit Card Tips from the Consumer Finance Protection Bureau (CFPB): To learn more about factors to consider when applying for or using a credit card, visit the website of the CFPB at

Other Disclosures:

  • Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) days late in making a payment.

  • Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

  • Statement Copy Fee: $5.00

  • Document Copy Fee: $12.00

  • Emergency Card Replacement Fee: $150.00

  • PIN Replacement Fee: $15.00

  • Card Replacement Fee: $15.00

  • Unreturned Card Fee: None

  • Card Recovery Fee: $65.00


For California Borrowers, the Visa Platinum is a secured credit card.


Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.


  • Annual Fee: None

  • Account Set-up Fee: $27.50

  • Program Fee: None

  • Participation Fee: None

  • Additional Card Fee: None

  • Balance Transfer Fee: $6.95

  • Cash Advance Fee: $2.00

  • Foreign Transaction Fee: 1.00% of each transaction in US Dollars

  • Transaction Fee for Purchases: None

  • Late Payment Fee: up to $15.00

  • Over the Credit Limit Fee: None

  • Returned Payment Fee: up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about costs of the card described is accurate as of 09/25/20. This information may have changed after that date. To find out what may have changed, contact the Credit Union.


Print a copy of this solicitation:

Credit Card Solicitation Disclosure

The Fine Print:

  • The balance transfer fee is a flat $6.95.

  • The total amount paid and transferred cannot exceed your credit line.

  • Payment of the amount authorized by you may or may not satisfy any outstanding balance on the designated account. The credit union is not responsible for any remaining balances.

  • It is your responsibility to make any payments required to keep your other account current.

  • The credit union is not responsible for any charges you may incur as a result of the balance transfer.

  • The credit union reserves the right to refuse any balance transfer request.

  • Balance transfers may take up to 14 days to complete.

  • The credit union will not close any other account, even if we are paying the balance in full. You will be responsible for any additional late charges, further interest fees, or minimum monthly payments billed to any of the accounts.

Take advantage of the best Balance Transfer offer, ever:


5935 S Zang St Unit 4

Littleton, CO  80127


T: (303) 860-1117

F: (303) 845-9776 

Third party website links will launch you to a website that is not controlled or owned by Options Credit Union. Options Credit Union does not contribute to the content displayed on these websites and does not legally endorse services or represent you or the third party in transactions conducted via these linked websites. Please be aware that information security and privacy policies may differ from those practiced by Options Credit Union.

Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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