VISA Credit Card
Convenience and reliability, what a credit card should be. Use your FOPFCU VISA® Credit Card for travel expenses, emergency expenses, shopping, dining and more.
Enjoy the following additional benefits:
- 25-day grace period on purchases
- Chargegard Insurance Protection available
- 90 Day Product Protection available
- Payments can be mailed, taken to the credit union, payroll deduction or automatically draft your account thru FOPFCU Online Banking service.
- No annual fee
Interest Rates and Interest Charges:
- Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances: 13.56%
- 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 yor entire balance by the due date each month.
- Minimum Interest Charge: None
- Balance Transfer Fee: None
- Cash Advance Fee: 1.50% of the amount of each cash advance
- Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
- Late Payment Fee: Up to $20.00
- Over-the-Credit Limit Fee: Up to $20.00
- Returned Payment Fee: Up to $25.00
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