VISA Credit Card

A VISA Credit Card from Dannemora Federal Credit Union gives you the freedom to purchase what you desire with the low interest rate you deserve.

The DFCU VISA features include:

  • No Annual Fee
  • $10 Late Payment Fee
  • Same low interest rate for cash advances and purchases
  • Make your payments at the Credit Union, over the phone, or on dfcu.net
  • Low, non-variable rates
  • Rates As Low As 7.50% APR* (based on your credit qualifications)
  • Earn points toward rewards for every dollar you spend with ScoreCard® Rewards
  • Payments are 3% of your balance or a $25 minimum
  • No Balance Transfer Fee!

 

VISA Credit Card Disclosure

 

Ready to transfer your balance to a lower interest rate? Here's how!

Already a DFCU VISA card holder? Please provide us with a copy of the statement of the credit card(s) you would like to pay off with the following information written on top:

  • Your DFCU account number
  • The account number of the credit card you would like to pay the balance on
  • The amount of the balance you would like paid

The statement can be dropped off at any DFCU branch, mailed to 342 Tom Miller Road, Plattsburgh, NY 12901, ATTN Sara, or faxed to (518) 825-0975.

Not a DFCU VISA card holder? Stop by any DFCU branch to apply!

How Much Could You Be Saving?

    Other Credit Cards DFCU
Annual Percentage Rate (APR) 21.99% APR* As low as 7.50% intro APR**
Monthly Interest (based on average balance) $5,000 $90.37 $30.82
$10,000 $180.74 $61.64
Average Savings Over 6-Month Period (based on $10,000 balance) = $714.60

Using credit cards responsibly by paying down balances quickly, always paying on time, not maxing out your credit limits, and not having too many open cards, can help you establish good credit. This, along with a solid employment record and decent income can help smooth the way for an auto or home loan; and can even assist in establishing you in a business setting.

 

 View Rates

 

To report your VISA Credit Card as Lost/Stolen after regular business hours, call 1-800-543-5073.

DFCU Visa Credit Card Access         ScoreCard Rewards Access

 

EZ Card Help Desk
(866) 604-0380

*Annual Percentage Rate

All loans subject to credit approval. Your rate may vary as all rates are based upon evaluation of credit history. Rates, terms and conditions are subject to change without notice. Fees include a 1.00% foreign transaction fee.

**APR=Annual Percentage Rate. The promotional rate is valid on balance transfers only and must be made during the promotional period dates of January 3, 2017, through March 31, 2017. No minimum loan amount. The 3.99% APR balance transfer rate is good for six months from the date of the initial balance transfer. Thereafter, the rate will revert to the APR (7.50%-18.00%) specified in your Card Agreement for balance transfers. A late fee of $10 or the amount of the required minimum payment, whichever is less, will be charged if you are 15 or more days late in making a payment. Cash advances and overdraft transfers are excluded from this offer. All loans are subject to credit, income and debt verification qualifications and member must be in good standing. Any balance transfer cannot exceed your predetermined credit limit. See your Card Agreement for additional details. Rate and terms are subject to change at any time.