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No need to carry around cash. Our credit cards are all about convenience — and earning perks for every purchase. 

Rates

Key Features

  • Competitive Rates
  • ScoreCard Rewards
  • Quick Decisions
  • Local Processing

Use the Co-Applicant application if there will be a co-signer.

  • 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
  • Rates as low as 7.50% APR1(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

Stretched to the limit with credit card debt? DFCU Visa is here to help!

To transfer your balances from other credit cards to your DFCU Visa, please provide us with a copy of a statement for the credit card(s) you would like to pay off, with the following information written on top:
 
• 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 DFCU, 342 Tom Miller Road, Attn: Sara, Plattsburgh, NY 12901; or faxed to 518.825.0975.
 
Don't have a DFCU Visa yet? Apply now!
 

Use the Co-Applicant application if there will be a co-signer.

1Annual 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.

2The promotional rate is valid only on balance transfers made during the promotional period dates of January 2, 2020, through March 31, 2020. No minimum loan amount. The 0.00% 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