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If you aren’t carrying a FFCCU VISA Classic, Gold or Platinum credit card, now is a great time to apply! Unlike other cards with introductory rates that eventually jump sky high, our VISA cards always offer low rates and many convenient benefits. Click here for current rates.
VISA Comparision Chart
| |
|
|
|
|
Annual Fee |
X |
X |
X
|
X |
CU Rewards |
X |
X |
X |
X |
Interest Rate |
Prime + 4% |
Prime +6% |
Fixed |
Prime +8% |
Travel Emergency Assistance |
X |
X |
X |
|
Auto Rental Insurance |
X |
X |
X |
|
Free Travel Life
Insurance |
X |
X |
X |
|
Free Travel Life Insurance when you purchase tickets from an airline common carrier. Auto Rental Insurance on most cars when you use your card. All card holder are eligible for Home Banking and Online Bill Pay.
CU Rewards program is an exclusive program, using your FFCCU VISA card enables you to accumulate points. These points can be redemmed for exciting travel opportunites and a wide variety of premium merchandise, such as appliances, electronics and jewelry.
Schumer Box
| |
Platinum |
Classic |
Gold |
| Annual Percentage Rate on Purchases & Cash Advances |
7.25%
Variable |
11.25%
Variable |
9.25%
Variable |
12.90%
Fixed |
| Other APR's |
Default Rate equals 18.00%*
Penalty Pricing equals the applicable APR plus 5.00%** |
| Variable Rate Information |
Your rate may vary based on the Prime Rate as published in the Wall Street Journal, plus 4.00% for Platinum, 6.00% for Gold and 8.00% for Classic. The rate can adjust on the first day of each new calendar quarter and is based on the Prime Rate on the last business day proceeding each new calendar quarter. The rate increase or decrease cannot be more than 2.00% in any quarter. |
Does Not Apply |
| Credit Union Rewards Program |
Points earned from purchases can be exchanged for travel and merchandise awards. Delinquent and/or Over the Credit Limit Accounts are not eligible. |
Does Not Apply |
| Grace Period for Repayment of the Balance for Purchases |
25 days |
| Method of Computing the Balance for Purchases |
Average Daily Balance
(including current purchases) |
Minimum Finance Charge |
$.50 |
Transaction Fee for Purchases |
$0 |
Annual Fee |
$0 |
Late Payment Fee |
$25.00 |
Over the Credit Limit Fee |
$0 |
| Cash Advance |
$0 |
| Balance Transfer Fee |
$0 |
* An 18.00% fixed rate will apply if payment is received 60 days late.
** The applicable APR will be increased by 5.00%, not to exceed the state maximum limit, for any payment received late (over 60 days). Members may be able to cure this penalty pricing mode and revert back to the applicable standard rate provided the account is brought current and remains current (not over 30 days late) for four (4) consecutive months.
Return Check fee $24.00.
The information about the costs of the Card(s) described in this application is accurate as of March, 2010. This information may have changed after the date. To find out about changes in the information call 800-621-4644 or write to: FFCCU, 2300 St. Clair Ave., Cleveland, OH 44114.
