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