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Account Description
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All KFCU members enjoy the service and recognition of the KFCU Freedom
of Choice Visa® Platinum credit card.
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| Benefit Programs Three Options to Choose From |
Choose the benefit program that
best fits your individual needs:
- Low Rates, or
- Cash Back Rebate, or
- Premium Reward Points for merchandise, travel, and more.
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| 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.
The ANNUAL PERCENTAGE RATE for purchases, cash advances, and balance transfers is subject to change on
the first day of each calendar quarter (January, April, July, October) to reflect any change in the Index and will
be determined by the Prime Rate (Index) on the third Tuesday of November, February, May and August of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin of 1.75%. The
ANNUAL PERCENTAGE RATE (Index plus a margin) will never be greater than 18.00%. Any ncrease in the
ANNUAL PERCENTAGE RATE 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.
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| 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
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| Minimum Limit |
$500
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| Minimum Payment |
2% of balance or $50, whichever is greater
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| Annual Fee and Over Limit Fee |
None
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| Late Fee |
$20 (after due date)
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| Foreign Transaction Fees |
None |
| Cash Withdrawal / Advance |
Up to credit limit ($25 minimum). No cash advance fee. Rate remains
the same as for purchases.
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| 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
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| Additional Benefits |
- Warranty Manager Service
- Travel & Emergency Assistance
- Auto Rental Collision Damage Waiver Program
For more detailed information, refer to Visa Card Benefits
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| 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
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| 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
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