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Our VISA programs have low rates, few fees and Platinum members earn gift and travel awards!
 Two VISA programs to choose from
Select from our VISA® Classic or our Platinum Member VISA. Our VISA Classic offers credit lines up to $5,000. Our Platinum Member VISA offers credit lines from $5,000 to $25,000.
Same low rates on purchases and cash advances
We offer low, fixed annual percentage rates based upon your credit history and your credit line. You're charged the same low rate for purchases and cash advances. Click here for our current rates.
Earn travel and gift rewards on purchases with our Platinum Member VISA
If you have our Platinum Member VISA card, you'll earn ScoreCard Bonus Points on purchases. You can exchange bonus points for fabulous travel benefits and brand-name merchandise. Travel awards include airline tickets, hotel nights, rental car certificates, cruises and vacation packages. Unlike other reward programs, ScoreCard allows you to choose when you want to travel. With ScoreCard you may even earn airline miles while you're flying on a free ScoreCard ticket. Call 1-800-854-0790 for a copy of the current gift and travel award brochures.
No fees for cash advances or balance transfers
You can get cash advances 24-hours a day at ATMs that display the VISA logo. You can also get cash advances at financial institutions that accept VISA. There's never a fee for cash advances or when you transfer other credit card balances to your Community Resource VISA. However, there's no grace period on cash advances and balance transfers so interest will begin to accrue immediately.
No annual fee
It doesn't cost anything to carry our card in your wallet.
No interest charges for the first 25 days after you make a purchase
You have 25 days to pay your account balance in full before interest starts to accrue.
Convenient ways to make payments
There are many convenient ways to make payments to your VISA account. You can easily transfer money from savings or checking to your VISA account using our online banking service, CU@Home Banking. You can also transfer money through our 24/7 Phone Link audio response telephone system or by calling our office and requesting a transfer. In addition, you can set up an automatic transfer from your checking or savings account to your VISA account.
Another way to pay your VISA bill is through ezcardinfo.com. The web site also has useful account management tools that allow you to view your recent transactions, print copies of your statements, find specific transactions, review your ScoreCard Bonus Point summary and print reports.
Travel protection
When you charge your ticket to your VISA card, you'll be covered by free Travel Accident Insurance up to $150,000.
Payment protection programs available
Credit Life and Credit Disability insurance will protect your family in the event something catastrophic happens to you.
It's easy to apply!
Call us at (518) 783-2211 or apply online!
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CREDIT CARD DISCLOSURES |
| Program |
Annual Percentage Rate |
Variable Rate Information |
Grace period for Repayment of the Balance for Purchases |
Method of Computing the Balance for Purchases |
Annual Fees |
Minimum Finance Charge |
Transaction Fee for Purchases |
| Platinum VISA |
7.99%/17.99% |
Not applicable |
25 days |
Average daily balance, including new purchases |
None |
None |
None |
| VISA Classic |
7.99%/17.99% |
Not applicable |
25 days |
Average daily balance, including new purchases |
None |
None |
None |
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Transaction fee for cash advances: NONE |
Late payment fee: $20 |
Over-the-limit fee: 5% of credit line ,minimum of $5 | |
* APR is subject to change at time of card reissue. Rates are based on credit score and card program.
* If you go more than two consecutive statement cycles without making at least the minimum monthly payment, the rate increases to 18.00% Upon request, we will consider an adjustment back to the standard rate after you've made on-time payments for six consecutive months. The information about the costs of the cards described is accurate as of July 26, 2005. This information may have changed after that date. To find out what may have changed, Call 518-783-2211 or write to Community Resource Federal Credit Union, 20 Wade Road, Latham, NY 12110. | |
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