• Variable rate as low as 8.99% APR*
  
• Same low rate for purchases, cash advances, and balance transfers
  
• No annual fee
  
• EMV enabled card
  
• $0 liability for fraudulent purchases
  
• 25 day grace period of purchases
  

Our VISA is a straight forward credit card with no hidden fees. Our rates start as low as 8.99% APR* across the board (purchases, cash advances, and balance transfers). Compare that to the national average of 15.18% APR* (source: www.creditcards.com). You can avoid interest charges altogether by paying your statement balance in full each month.

Most credit cards come with a fee schedule as long as your arm. With the MemberFocus VISA, there are only three ways to incur a fee: 

• making a late payment - $20 fee per occurrence
• exceeding your credit limit - $15 fee per occurrence
• returned check fee - $15 per occurrence 

Visa’s Zero Liability policy is a guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your VISA credit card is lost, stolen or fraudulently used, online or offline. Fraudulent charges must be reported to MemberFocus Community Credit Union immediately to fall under VISA’s Zero Liability policy. Source: http://usa.visa.com/personal/security/zero-liability.jsp

The MemberFocus VISA card now features EMV (Euro MasterCard VISA) technology. Your card comes with an EMV chip built in to provide additional security against fraud.