Credit Cards

Disclosures

• 011) Alerts received via SMS text message may result in a charge from your mobile service provider.
• 073) Please see the Program Rules.
• 074) Please see the Visa Guide to Benefits
• 075) Certain restrictions apply. See Priority Pass™ term and conditions for details.
• 076) To qualify, the transactions must: (i) be completed using the full Provident World+ Travel™ Credit Card 16-digit Card number referenced during the Program period; (ii) post to the Provident World+ Travel™ Credit Card account referenced during the Program period through Statement Credit; and (iii) be identified as a "Qualifying Transaction" based on the information available on Visa's proprietary network (VisaNet). See full terms and conditions for details.
• 077) Twelve (12) months introductory rate of 0% APR based on your credit worthiness. Thereafter, your variable APR for purchases will be 14.49% to 17.49% based on your credit worthiness. 0% introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 12 months from each qualifying balance transfer transaction. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. E.g, if the transfer takes place a month after account opening, the promotional rate will only be for eleven (11) billing cycles. Balance transfers are made available at our discretion. All balance transfers are subject to the standard balance transfer APR after the introductory period. The standard balance transfer variable APR is 15.49% to 18.00%. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer.
• 078) Certain restrictions apply. View benefits term and conditions for details.
• 079) Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that, the variable APR for purchases will be 12.49% to 17.49%. 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 14 months from each qualifying balance transfer transaction. After the introductory period, all balance transfers are subject to the standard balance transfer variable APR of 13.49% to 18.00%. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. e.g, if the transfer takes place a month after account opening, the promotional rate will only be for thirteen (13) billing cycles. Balance transfers are made available at our discretion. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer.
• 080)

  Program Rules. View benefits term and conditions for details.

• 082) Co-applicant (parent/guardian) required if member is under the age of 21 and cannot show proof of income. Otherwise co-signer is optional.
• 083) Credit union deposit(s) must be pledged to secure the Visa, with a minimum pledge of $600 and at least 120% of the credit line applied for.
   
• 115) All Provident Credit Union loans subject to credit approval. Some restrictions may apply.
• 116) Some restrictions may apply.