DOCO Credit Union

VISA® Credit Cards

If you are looking for a Visa Credit Card with low interest rates, no hidden fees, and powerful features such as 24-hour online account access and flexible payment options, then DOCO Credit Union has the perfect solution! The features of our 3 credit cards are outlined below. Once you have reviewed your options, we invite you to apply online today or contact a credit union representative for more information.

VISA Platinum VISA Classic VISA Share Secured Classic
Current Promotional Offers Earn 1.00% Cash Back for balance transfers from a non-DOCO loan to your credit card None at this time None at this time
Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers 8.90% Fixed 11.90% Fixed 11.90% Fixed
Annual Fee None None None
Balance Transfer Fee None None None
Minimum Credit Line $5,000 $500 $500
Maximum Credit Line $20,000 $10,000 $1,000
Maximum Student Card Credit Line Not Available $500 $500
Late Payment Fee Up To $15.00 Up To $15.00 Up To $15.00
Returned Payment Fee Up To $35.00 Up To $35.00 Up To $35.00
Cash Advance Fee $1.00 $1.00 $1.00
Reissue Every 2 Years Yearly Yearly
Card Replacement Fee $5.00 $5.00 $5.00
Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars.
0.80% of each single currency transaction in U.S. dollars.
How We Will Calculate Your Balance We use a method called "average daily balance (excluding new purchases)"
How To Make Payments Convenient payment options include paying in person at any DOCO branch, using your DOCO Online Banking account, by mail or via phone.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. The minimum interest charge will be charged on any dollar amount.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge interest on purchases if you pay your entire balance by the due date each month.

The information about the features and costs of the cards described above is accurate as of May 1, 2012. This information may have changed after this date. To find out what may have changed, please contact the credit union.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at

Click Here to apply.