Low Rate Program

Save More on Credit Card Interest

Members interested in receiving the best rate possible can apply for our Low Rate Credit Card program. This card is a good fit for anyone looking to transfer balances from a high rate credit card to a lower rate program to save on interest payments. 

 Terms & Condition 

Program Features: 

  • No annual fee
  • 25 day grace period for purchases
  • Low monthly payment – 3% of the outstanding balance or
    $25 Review account activities, check balances, and make
    payments within It’sMe247 Online Banking anytime
    and anywhere you have an Internet connection
  • Low balance transfer fee
  • Worldwide acceptance
  • Mastercard’s zero liability policy

Apply Now ›




How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)

To obtain a copy of our Credit Card agreement disclosures please call us at 888-7-Viriva or 215-333-1201 for local calls. You can also email Info@Viriva.com. Please include your name, address, and daytime phone number in your request.

*The approval and the Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month (“Index”) plus a margin from 5.90-17.90 (for the Rewards Card Program), 3.90-15.90 (for the Low Rate Card Program), and 7.90 (for the Secured Card). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. This disclosure is accurate as of September 1, 2019 and is subject to change after that date. To find out if any changes in this information have occurred, please call us at 888-7-Viriva (215-333-1201 for local calls), or write to us at 157 York Road Warminster, PA 18974