Meet Our Low-Rate Visa® Credit Card
.png?sfvrsn=5b04a75d_17 "View Disclosure")
.jpg?sfvrsn=e1c9f4d1_5 "Lower your credit card interest!")
Lowering your interest really adds up!
Here's how the numbers break down on a $10,000 starting balance.
* View the Complete Low Rate Credit Card Disclosure
- 2025 Bankrate Retail Cards Study, Bankrate, 9/15/25, https://www.bankrate.com/credit-cards/news/retail-store-credit-card-survey/
Start saving today!
Approval is a few clicks away.
.png?sfvrsn=8dafe3d7_3)
WOW - THAT'S A GREAT RATE
Pick Up a Low Rate
10.99%
VARIABLE APR*
* View the Low Rate Credit Card Disclosure
You'll love what this card can do!
Transfer Your Balances
0.00% intro APR on balance transfers for up to 15 months and 10.99% variable APR*
No Hidden Fees
No annual, cash advance, or international transaction fees2
Rapid Approvals
Get your card in as little as one hour
Tap and Go
Faster, safer payments with contactless chip technology
Built in Security
Visa® zero fraud liability and travel insurance included
Card Controls
Easily turn your card on and off
* View the Complete Low Rate Credit Card Disclosure
- A usage fee may be charged by Foreign ATM operators. Currency conversion rates are set by VISA and are subject to change.
Looking for something different?
Check out our complete credit card line-up!
.png?sfvrsn=1f2b1e19_3)
Low-Rate
Visa® Credit Card
Visa® Credit Card
Our Low-Rate Visa® is a great choice for individuals carrying a card balance and are seeking immediate savings through our lowest interest rate.*
SEE HOW IT COMPARES
Rebate-Eligible
Visa® Credit Card
Visa® Credit Card
Our Rebate-Eligible Visa® is a great option for those carrying a card balance and want the potential to get back a portion of the annual interest paid via our year-end Loan Interest Rebate, which is part of our unique Member Giveback.*
Learn More
Rewards
Visa® Credit Card
Visa® Credit Card
Our Rewards Visa® is the perfect choice for those who like earning cash back, merchandise or gift cards for dollars spent.*
Learn More*Visa® Disclosures
Dow Credit Union is providing the following information to you pursuant to federal law. Please review prior to your application. This page may be printed and retained for future reference.
Low Rate Visa® Credit Card Disclosure
|
INTEREST RATES AND INTEREST CHARGES |
Low Rate |
|
Annual Percentage Rate
|
10.99% The APR will vary with the market based on the Prime Rate. |
|
APR for Balance Transfers |
** 0.00% Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening. After the introductory APR expires, a variable APR applies to unpaid promotional balances, new purchases and new balance transfers. The APR will vary with the market based on the Prime Rate. |
|
APR for Cash Advances |
10.99% The APR will vary with the market based on the Prime Rate. |
|
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. |
|
For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
|
FEES |
|
|
Annual Fee |
None |
|
Balance Transfer Fees |
**Low Rate Visa: Introductory Balance Transfers (transfers made within the first 90 days of account opening) have a Balance Transfer fee of the greater of $25 or 3% of the amount of the balance transfer. |
|
Transaction Fees • Cash Advance • International Transaction |
None None |
|
Penalty Fees • Late Payment • Returned Payment Charge |
Up to $25.00 Up to $25.00 |
|
Other Fees • Statement Copy Fee • 2-Day Rush Card Fee • Card Instant Issue • Payment by Phone Fee |
$ 0.20 per page $30.00 $ 5.00 $ 5.00 |
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (excluding new purchases)".
How Do You Calculate My Variable Rates? Variable Rates are calculated by adding an index and a margin. The index is the highest U.S. Prime Rate (hereafter Prime) published in the Wall Street Journal "Money Rates" section on the 13th day of each month. If the Wall Street Journal is not published on that day, then we will use the immediately preceding edition. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment. The rate on any transaction type will not exceed 24.99% APR. Variable rates on the following transaction types will be updated monthly and will take effect on the first day of your monthly billing periods:
- Purchase APR: Prime plus 3.74% for Low Rate Visa
- Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa
- Cash Advance APR: Prime plus 3.74% for Low Rate Visa
How Do You Determine My Credit Line? We will determine your credit line after a review of your application and your ability to pay.
Military Lending Act Disclosures
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
QUESTIONS? Stop by one of our branches or call us at 989.835.7794 or 800.835.7794.
MIDLAND:
600 E. LYON RD.
SAGINAW:
5420 GRATIOT RD.
