VISA Credit Card - Rewards, More | Salt City Federal Credit Union

VISA^® Credit Card

Simplify your spending with our VISA^® Credit Card. With competitive fixed rates, no annual fees and rewards, our credit cards are designed to meet your financial needs. Whether you’re making everyday purchases, managing high-interest debt or building your credit, we have you covered.

Consistent Fixed Rate
Rate doesn’t change with the prime rate and applies to purchases or cash advances.
No Annual or Cash Advance Fees
CU Rewards or Lower Rate Options
Choose a card with merchandise and travel rewards or a 1% lower rate with no rewards.
Flexible Credit Limits
Credit limits tailored to meet your financial needs.
Online Banking & VISA^® Mobile App
Access transactions, balances, payments, card settings and more 24/7 from any device.
VISA^® Purchase Alerts
Receive immediate purchase notifications to monitor spending and catch fraudulent activity.
Global Access
Cash advances available at Visa^®/Plus ATMs in over 170 countries.
Auto Rental Collision Damage Waiver
Extended Warranty Protection

Balance Transfers

Lower your monthly payments and save money by transferring high-interest balances to our VISA^® Credit Card.

Reduce High-Interest Debt
Consolidate balances at a rate that’s 3% lower than your approved Salt City rate for the life of the balance. Subject to 1% balance transfer fee.
Simplified Payments
Make managing debt easier with one convenient payment.

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

Months	Dividend Rate	APY 1
12	3.94%	4.00%
24	3.74%	3.80%
36	3.55%	3.60%
48	3.45%	3.50%
60	3.36%	3.40%

Tier	Min Balance	Dividend Rate	APY ¹
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Months	Dividend Rate	APY 1
3	3.99%	4.05%
6	4.04%	4.10%
12	3.94%	4.00%
18	3.84%	3.90%
24	3.74%	3.80%
30	3.65%	3.70%
36	3.55%	3.60%
48	3.45%	3.50%
60	3.36%	3.40%

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

Be careful out there!

VISA^® Credit Card

7.90% APR

Balance Transfers

4.90% APR

Tools & Resources

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 12/19/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 10/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 6/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 6/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.74% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.24% APR would have 60 monthly payments of $631.84 each month and would include a balloon payment due at loan maturity of $12,500.

As of 3/16/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	7.00%
$20,001 – $50,000	Member	6.75%
$50,001 +	Member	6.50%
$10,000 – $20,000	CU	7.25%
$20,001 – $50,000	CU	7.00%
$50,001 +	CU	6.75%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.85
	180	6.00%	$8.44
CU Pays Closing Costs	60	5.25%	$18.99
	120	5.75%	$10.98
	180	6.25%	$8.57

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	60	6.49%	$19.56
	84	6.99%	$15.09
	144	7.49%	$10.55

Used 2016 – 2024	60	6.99%	$19.80
	84	7.49%	$15.33
	144	7.99%	$10.82

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	36	6.49%	$30.64
	60	6.74%	$19.68¹
	72	6.99%	$17.04
Used 2024 and older	36	6.99%	$30.87
	60	7.24%	$19.91²
	72	7.49%	$17.29

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	48	4.99%	$23.02
	60	5.14%	$18.94
	72	5.34%	$16.26
	84	5.84%	$14.53
Used 2021 – 2024 ¹	48	5.24%	$23.14
	60	5.39%	$19.05
	72	5.59%	$16.38
	84	6.09%	$14.65

Be careful out there!

VISA® Credit Card

7.90% APR

Balance Transfers

4.90% APR

Tools & Resources

Headquarters Mailing Address

Contact Us

VISA^® Credit Card