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Central Soya Federal Credit Union

Save or Borrow, Today or Tomorrow

VISA Classic

 
Get these Great Benefits with the CSFCU Visa Credit Card:
  • Low APR* Visa Classic Credit Card
  • No annual fee
  • 25-day interest-free grace period for purchases
  • Cash advances at Main office and ATMs (no grace period)
  • World-wide acceptance
  • $250,000 Travel and Accident Insurance

Apply for your Visa online or contact a Credit Union Representative today!
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This service helps prevent unauthorized purchases before they even happen. Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. So what's your password? Create it today! Click on the Verified By Visa logo to the left.

Verified by Visa is a unique service that uses personal passwords to help protect Visa card numbers against unauthorized use. Once you activate your card, no one else can use your Visa card number at any participating online stores – without your personal password.
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for purchases

10.9%

APR for Balance Transfers
7.9% - This APR is in effect for six (6) months from the posting date. Balance Transfers will post as a purchase.
APR for Cash Advances
12.0%
How to Avoid Paying Interest on Purchases
You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances.
Minimum Interest Charge
None
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
None
Transaction Fees
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee
Transaction Fees
None
None
Up to 1% of each transaction in U.S. dollars.
Penalty Fees
Late Payment Fee
Returned Payment Fee
Penalty Fees
Up to $15 assessed ten (10) days after due date.
Up to $10
Other Fees
Draft Copy Fee
Replacement Card Fee
Balance Consolidation Check Fee
Statement Copy Fee
Rush Fee
Card Center Phone Payment Fee
Other Fees
$4.00
$1.00
$2.00
$1.00
$25.00
$3.00
The minimum monthly payment is 3% of your total new balance or the overlimit amount, whichever is greater, but not less than $25 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due the 4th of every month.
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See your account agreement for more details.
 
Loss of Balance Transfer APR: We may end your Balance Transfer APR if you make a late payment.
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
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Central Soya Federal Credit Union | 1200 N 2nd Street • Decatur, IN 46733

Phone: 260.724.1338 or 877.392.5977 | Fax: 260.724.1325
Hours: Monday - Friday - 8:00am - 5:00pm