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To register for Online Banking or Online BillPay, call Powerco at (404) 506-3750 or 1-800-633-5217. Please note that passwords are case-sensitive.

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Forms and Applications

Powerco VISA® Credit Card Disclosure Information

  VISA Gold VISA Classic
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances 10.40%* APR
as of March 1, 2017
The Annual Percentage Rate may vary. The rate will be effective on the first day of each month and is determined by adding 6.65% to the highest Prime Rate published on the first business day of the previous month in The Wall Street Journal under the Money Rates column.
13.75%* APR
as of March 1, 2017
How to Avoid Paying Interest/Paying Interest You have 25 days to repay your balance in full before a finance charge will be imposed. You have 25 days to repay your balance in full before a finance charge will be imposed.
Minimum Finance Charge None None
Method of Computing the Balance for Purchases Average Daily Balance, including new purchases. Average Daily Balance, including new purchases.
Credit Card Tips from the Consumer Financial Protection Bureau www.consumerfinancial.gov/learnmore www.consumerfinancial.gov/learnmore
Transaction Fee For Purchases and Balance Transfers None None
FEES
Annual Fee, Set-up and Maintenance Fees None None
Transaction Fees    
• Balance Transfer None None
• Cash Advance 5% of each cash advance
($5.00 minimum, $50.00 maximum)
5% of each cash advance
($5.00 minimum, $50.00 maximum)
• International Transaction 3% of the transaction amount 3% of the transaction amount
Penalty Fees    
• Late Payment Up to $25.00 The greater of $15.00 or 10% of the portion of the Minimum Payment Due not paid, but not more than $25.00 during any one billing cycle.
• Over-the-Credit Limit None. None.
• Returned Payment Up to $35.00 Up to $35.00
Other Fees    
• Documentary Evidence $5.00 per item $5.00 per item
• Statement Copy $10.00 if available online;
$5.00 if not available online
$10.00 if available online;
$5.00 if not available online
• Rush Delivery Fee $45.00 for card;
$45.00 for PIN mailer
$45.00 for card;
$45.00 for PIN mailer

 

For credit card tips from the Consumer Financial Protection Bureau (CFPB) and to learn more about factors to consider when applying for or using a credit card, visit the CFPB website. 

The information about the costs of the card described in this disclosure is accurate as of March 1, 2017 . This information may have changed after that date. To find out what may have changed, call us at (404) 506-3750 or 1-800-633-5217 or write us at 241 Ralph McGill Boulevard, NE, Atlanta, Georgia 30308-3374. Subject to credit approval.

 

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender