VISA Credit Card Rates ANNUAL PERCENTAGE RATE 8.00%. GRACE PERIOD for repayment of purchases and Cash Advances is 25 days. AVERAGE DAILY BALANCE is used to calculate finance charge.   No Annual Fee, No Late Charge, No Cash Advance Fee.   The Credit Union reserves the right to impose a fee of $20.00 for excessive replacement cards. Watch December Newsletter to learn which month of the year will receive a refund for purchases!   Please do not hesitate to contact the Credit Union should you have any questions or concerns regarding our savings and loan products.