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Cy-Co FCU has just the card for you!

 Click on the 10 second approval icon to apply for a VISA Credit Card now!  

 

Having our VISA allows you the following benefits:               

  • NO Annual Fee
  • 25 Day Grace Period on all purchases.
  • ATM Access Nationwide with PIN
  • DIRECT PAYMENT of your monthly payment via ACH--no need to write a check!
  • Charge Guard Insurance

Charge Guard Insurance

  • Pays your minimum monthly payment if you involuntary lose your job.
  • Pays your minimum monthly payment if you're ill or injured and unable to work.
  • Pays your minimum monthly payment if you or your spouse take family leave to care for a new baby or a sick family member.
  • Pays your entire insured account balance-up to $10,000-in the event of your death.
  • Plus, you can continue to use your card while receiving benefits. And, you never have to pay a penny of those benefits back.
  • MEMBER'S CHOICE coverage is not automatic, you must enroll.

With eZCardInfo, You're in Control!

Gain a clearer view of your credit card information than ever before!  eZCardInfo is like online banking for your credit card.  When you enroll, you can manage your account 24/7, including the ability to:

  • View your account balances
  • Check your available credit
  • View past and current statements
  • Download data to financial software
  • View transactions since your last statement
  • Search and view up to 18 months of transaction history
  • Pay your bill online
  • View tranactions and spending reports
  • Receive e-mail or mobile reports of conditions or events affecting your account
  • And with our encrypted Website, you'll feel safe knowing that your credit card information is secure. 
  • Enroll in eZCardinfo and start taking control of your finances today!

Simply go to www.eZCardInfo.com and enroll today!

Disclosures

ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES 8.95%, 12.95%, 14.95%, 15.95%, OR 16.95%
when you open your account, based on your creditworthiness
APR FOR CASH ADVANCES 8.95%, 12.95%, 14.95%, 15.95%, OR 16.95%
when you open your account, based on your creditworthiness
APR FOR BALANCE TRANSFERS 8.95%, 12.95%, 14.95%, 15.95%, OR 16.95%
when you open your account, based on your creditworthiness
PENALTY APR AND WHEN IT APPLIES 17.95%

This APR may be applied to the entire balance on your account if you make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due and do not exceed your credit limit during that time period.

MINIMUM INTEREST CHARGE None
HOW TO AVOID PAYING INTEREST ON PURCHASES Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month
ANNUAL FEE None
TRANSACTION FEES
• CASH ADVANCE FEE



• FOREIGN TRANSACTION FEE


$10.00 or 2.00% of the amount of each cash advance, whichever is greater
 

1.00% of each multiple currency transaction in U.S. dollars

0.80% of each single currency transaction in U.S. dollars

PENALTY FEES
• LATE PAYMENT FEE
• RETURNED PAYMENT FEE

$30.00
$30.00

 

VISA's Practical Money Skills

Visa's Practical Money Skills (practicalmoneyskills.com) is for teachers, parents, students and consumers of all ages to help improve their personal finance knowledge with free educational resources including classroom curriculum.  Click here for more information.

VISA's What's My Score Program

 

Visa’s WhatsMyScore.org program has helped thousands of people learn the fundamentals of personal finance and credit scoring.  Click here for further information. 



 

 

* Holiday Loans Are Available *

 

 

The credit union is now located next

to the Cornerstone Chemical Company fitness center.

 

  

 

2 New loans being offered here at the Credit Union. 

"Caring and Sharing Helps" or the Caring and Sharing Helps Too" Loan.

Click here for more information

 

© Copyright 2010 Cy-Co Federal Credit Union.