Credit Card Rates

"When you get a card with rates this low, it's almost like you're getting a sale price on everything."
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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

See the table below for important disclosures and information for our credit card options.

Rates are effective as of August 28, 2019.

Interest Rates & Interest Charges

  Premium WorldTM Mastercard® (Variable Rate) Platinum, Student and Secured Mastercard® (Variable Rate)
Annual Percentage Rate(APR) for Purchases 14.25% - 18.00% APR1
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
11.24% - 18.00% APR1
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
APR for Purchases Promotional Rate - First 12 Months After New Account is Opened 0% APR2 on purchases made within the first 12 billing cycles of a new Premium WorldTM Mastercard® account being opened. After that your APR will be at your regular standard APR. Offer not applicable.
APR for Cash Advances 14.25% - 18.00% APR1 based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate. 11.24% - 18.00% APR1 based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.
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.
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 Premium WorldTM Mastercard® (Variable Rate) Platinum, Student and Secured 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
  • 2% of the transaction amount in US Dollars
  • 2% of each U.S. Dollar transaction that occurs in a foreign country
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. They are 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 review of your credit and 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.

Military Rate Discount: If you are scheduled to be deployed please contact us at 1-800-926-0003 for rate adjustment.

Please Note: The information about the costs of the cards described in this application is accurate as of 8/28/19. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003, visit our website at www.clearviewfcu.org or write us at: Clearview Federal Credit Union, Attn: Cards Department, 8805 University Blvd., Moon Township, PA 15108.

Rates, Fees and Terms May Change: We have the right to change the account terms (including APR) in accordance with your Cardmember Agreement.

1 APR = Annual Percentage Rate. Changes in the index will cause changes in the APR on the first day of the billing cycle immediately following any such change in the index. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made. 

2  APR = Annual Percentage Rate. Payments to your credit card will be posted according to applicable laws. Purchases may not exceed your available credit. In order to qualify for the 0% APR, the credit card must be a newly opened Premium WorldTM Mastercard account. The 0% APR on purchases will be in effect for the first (12) billing cycles after the account is opened, after which the rate will then revert to your regular standard APR. Rate is subject to change without notice. Offer may be extended, modified or discontinued at any time. Clearview Platinum, Student, Secured and Business cards are excluded. All loan approvals are subject to normal underwriting guidelines and may require a co-signer. You must be at least 18 years old to apply.

1.50% APY
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  1. APR = Annual Percentage Rate. Changes in the index will cause changes in the APR on the first day of the billing cycle immediately following any such change in the index. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made.
  2. APR = Annual Percentage Rate. Payments to your credit card will be posted according to applicable laws. Purchases may not exceed your available credit. In order to qualify for the 0% APR, the credit card must be a newly opened Premium WorldTM Mastercard® account. The 0% APR on purchases will be in effect for the first twelve billing cycles after the account is opened, after which the rate will then revert to your regular standard APR. Rate is subject to change without notice. Offer may be extended, modified or discontinued at any time. Clearview Platinum, Student, Secured, Business Platinum, and Home Equity cards are excluded. All loan approvals are subject to normal underwriting guidelines and may require a co-signer. You must be at least 18 years old to apply.
Still have questions about Credit Cards?
If you are traveling internationally please take the following steps:

Contact Clearview at 1-800-926-0003, prior to your departure with the dates, and cities you will be traveling to so we can notate your cards for travel. Take more than one form of payment ie; Mastercard, Visa, etc.

Make sure you have a PIN (Personal Identification Numbers) set up on all cards you will be taking with you, as you will be asked for a PIN number if using your card outside of the U.S. To set up a PIN: For credit call: 1-888-886-0083 For debit call: 1- 866-985-2273
To access your Credit Card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a new, secured site where you can view your balance, history, and eStatements (if enrolled).

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