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Features

Credit cards aren’t just good for building credit; they’re good for establishing and maintaining good credit history.

  • No annual fee
     
  • Straight forward card with no hidden fees, tricks or gimmicks
     
  • Travel protection & emergency assistance coverage
     
  • When traveling outside of the United States, notify the credit union in advance to keep your credit card available for purchases while you are outside of the country.
     
  • EMV smart chip technology for enhanced fraud prevention
     
  • Integrated with Apple Pay™
     
  • Payment convenience at any CFCU office location, by phone or through Online & Mobile Banking

Call (800) 449-7728 24 hours a day to report a lost or stolen credit card. To change your VISA PIN number, call (888) 886-0083. You will need your VISA number, zip code and the 3 digit CVC code on the back of the card.

VISA Platinum Secured

  • For borrowers just beginning to establish credit
     
  • To repair and rebuild your credit after a financial setback
     
  • Credit limit is secured by the funds you have on deposit
     
  • Contact us for a VISA Platinum secured application

Credit Line Increase

Feel like you need more credit and it’s something you can handle? Just let us know and we can help.

Rates & Disclosures

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances Visa Platinum
9.90%

Visa Credit Rewards
11.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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
Set-up and Maintenance Fees
   Annual Fee
   Additional Card Fee

   Application Fee

None
None

None
Transaction Fees

   Balance Transfer


   Cash Advance Fee


   Foreign Transaction Fee


$10.00  or 3.00% of the amount of each balance transfer, whichever is greater.

$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

1.00% of each transaction in U.S. dollars

Penalty Fees
   Late Payment Fee
   Returned Payment Fee

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: March 31, 2018
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Credit Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to:(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Balance Transfer Fee (Finance Charge):
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Emergency Card Replacement Fee:
$25.00.

Statement Copy Fee:
$2.00 per page.

Balance Transfer

Save on interest and you could pay down your other credit card balances faster. We may be able to save you money on your monthly payments.

All we need to know is which balances you’d like to transfer.

Apply Online to Transfer a Credit Card Balance

Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account. Balance transfers of other Catholic Federal Credit Union credit cards, loans, and/or lines of credit are not eligible. Please note if you don’t pay the entire balance for the billing cycle by the payment due date, the purchase amount that is not paid is subject to interest calculated from the date of purchase (or the first day of the current billing cycle, whichever is later), and you will lose the grace period in the current and future billing cycles for all new purchases until the entire balance is paid in full. All transactions subject to credit approval. All rates and offers subject to change.

FAQs

A. There are five ways to pay your bill.

  • Through Catholic Federal Mobile & Online Banking.
  • Automatic payments, to enroll call (800) 798-2328
  • By calling Catholic Federal at (800) 798-2328
  • In person at any Catholic Federal location
  • By mail to Catholic Federal Credit Union, P O Box 6338, Saginaw, MI 48608

A. First-time visitors to the site must register with the following information:

  • 16-digit Catholic Federal VISA Rewards card number
  • Last 4 digits of the card holder’s social security number
  • Zip code
  • Email address

A. If there is a charge on your card that you believe that you did not make, please contact Catholic Federal immediately to deactivate your card to avoid any further charges. We will then work with you to submit a dispute.

A. Please contact Catholic Federal before you travel, at (800) 798-2328 to let us know the dates of your trip to avoid any unintentional blocks or false fraud alerts.

A. You can contact Catholic Federal at (800) 798-2328, or visit your local branch during normal business hours.

A. Call (800) 449-7728 24 hours a day to report a lost or stolen credit card.

A. Yes, and it’s easy by calling (800) 527-7728.

 

A. There are no monthly or annual fees on your Catholic Federal VISA. However, if your payments are not made on time, you may be subject to a late fee. Please refer to your VISA account opening disclosure for additional details.

A. You can choose to either receive your eStatements or a paper copy by mail.

A. Yes, with the use of a PIN at any ATM that displays the VISA logo. To change your VISA PIN number, call (888) 886-0083. You will need your VISA number, zip code and the 3 digit CVC code on the back of the card.

A. To view a full selection of available merchandise, gift cards and travel opportunities, login at CURewards.com.

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