Account Description |
All KFCU members enjoy the service and recognition of the KFCU Freedom
of Choice Visa® Platinum credit card. Click here to review the previous
KFCU Credit Card Programs.
Read our FAQs for
additional information on our new credit card offer. |
| Benefit Programs Three Options to Choose From |
Choose the benefit program that
best fits your individual needs:
- Cash Back Rewards, or
- Reward Points for merchandise, travel, and more, or
- Low Rates
|
| Rates |
KFCU’s Freedom of Choice Visa® Platinum credit
card offers one of the lowest interest rates nationwide. It’s the ideal choice if you keep a balance.
Rates are as low as 0.75% below prime1 based on your credit score. The Annual Percentage Rate (APR)
for purchases, cash advances and balance transfers is subject to change on the first day of each quarter to
reflect any change in the Prime Rate plus a margin ranging from - 0.75% to 6.00%. The APR will never be less
than 5.75% or greater than 18.00%. Any increase in the APR will take the form of additional payments shown
as Total Minimum Payments on the statement.
The APR and margin you receive are based on credit-worthiness criteria. Your APR and margin may be reviewed
and changed annually based on these criteria. Please refer to your account statement for the APR, daily periodic
rate, and margin that apply to your account. |
| Easy Access |
- Free
online access . View charges, transfer funds, make balance transfers, and more
- Payment options. Make payments easily and securely from KFCU
Online
- Toll-free 24-hour telephone service by calling 1-800-790-7728
|
| Minimum Limit |
$500 |
| Minimum Payment |
2% of balance or $50, whichever is greater |
| Annual Fee and Over Limit Fee |
None |
| Late Fee |
$20 (after due date) |
| Cash Withdrawal / Advance |
Up to credit limit ($25 minimum). No cash advance fee. Rate remains
the same as for purchases. |
| Additional Online Security |
Verified
by Visa is a new "free and easy" way to enjoy added security for all your
online Visa card purchases.
For more information, visit: Visa
Security |
| Additional Benefits |
- Warranty Manager Service
- Travel & Emergency Assistance
- Auto Rental Collision Damage Waiver Program
For more detailed information, refer to Visa Card Benefits |
| Secured Card Option |
Whether you’re starting out or starting over, the KFCU Freedom
of Choice Visa® Secured card is a great way to build your credit history. This card is secured by
placing a hold on your savings account in the amount of credit limit. For more information, call (505) 254-4369
or 1-800-880-5328 |
| How to Apply |
- Apply by phone locally at 254-4368 or toll-free 1-800-732-CASH-2274
- Apply in person at a KFCU branch
|
