Credit Card Rates
Our Mastercard options make life a little more affordable.
These days, many credit cards tout their rewards programs. Others talk about their fraud-fighting services. Those are both really important- and both are a given for our credit cards. But at Clearview, we believe one of the best features of our credit cards is that they hold the line on interest charges for our Pittsburgh-area friends.
Credit Card Rates
Rates are effective as of January 6, 2025.
See the table below for important disclosures and information for our credit card options.
Interest Rates & Interest Charges
| Interest Rates | Premium World® Mastercard® (Variable Rate) | Platinum Mastercard® (Variable Rate) |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers | 18.00% APR1 This APR will vary with the market based on the Prime Rate and is based on your creditworthiness. |
11.49% - 18.00% APR1 This APR will vary with the market based on the Prime Rate and is based on your creditworthiness. |
| Penalty APR | None | |
| 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. All cash advances and balance transfers will accrue interest from the day the advance or transfer is made. | |
| 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. | |
| Fees | Premium World® Mastercard® (Variable Rate) | Platinum Mastercard® (Variable Rate) |
|---|---|---|
| Annual Fee | None | None |
| Balance Transfer | None | None |
| Cash Advance | 3% of the amount of each cash advance made at Financial Institutions & ATMs | 3% of the amount of each cash advance made at Financial Institutions & ATMs |
| Foreign Transaction including Purchases Cash Advances & Credits |
None |
|
| Late Payment | Up to $35 for each payment that is one (1) or more days late | Up to $35 for each payment that is one (1) or more days late |
| Returned Payment | Up to $35 | Up to $35 |
Variable Rate Information: All APRs may vary. Your APR is determined by adding a margin to the Prime Rate (as published in the Money Rates section of the Wall Street Journal on the last business day of the month) on all purchases, cash advances, and balance transfers. This margin is determined by your creditworthiness. Rate may change based on a periodic review of your credit and/or changes to the Prime Rate.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for details.
Balance Transfer Information: There is no grace period for balance transfers. If you transfer a balance and also make purchases, if you do not pay your entire balance in full at the end of the first billing cycle, you may lose your grace period for new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Please Note: The information about the costs of the cards described in this application is accurate as of October 27, 2024. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003 or visit our website at clearviewfcu.org.
Rates, Fees and Terms May Change: The account terms (including APR) are subject to change in accordance with your account agreement and applicable law.
