Features You Can’t Resist
- A low fixed-rate (not a variable rate)
- A low annual fee
- A 25-day interest free grace period
- High credit limits
- Worldwide acceptance
Plus, you can use your D.C. Teachers’ FCU Visa card for more than purchases — use it for quick cash advances at thousands of Visa network ATM terminals worldwide. Enjoy the same great rate for cash advances as you do for purchases!
Get a Reduced Rate & Build Credit
We also offer a Secured Visa for those who are looking for a lower rate, or for those looking to increase their credit scores. Use funds in any of your DCTFCU share savings or certificate accounts as collateral for your Visa line of credit.
Visa Credit Card Rates & Charges
EFFECTIVE January 1, 2025
| Interest Rate and Charges | Visa Classic | Visa Secured |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 13.50% | 11.00% |
| Annual Percentage Rate (APR) for Balance Transfers | 13.50% | 11.00% |
| Annual Percentage Rate (APR) for Cash Advances | 13.50% | 11.00% |
| Paying Interest | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | |
| Annual Fee | $15.00 | $15.00 |
| Late Payment Fee | $30.00 after 15 days |
$30.00 after 15 days |
| Returned Check Fee | $30.00 | $30.00 |
To apply for a Visa Classic or Visa Secured Credit Card, complete and return your application to the credit union in person, by fax or by mail with your two most recent pay stubs and a copy of a government issued identification i.e. driver’s license.
Save with a Visa Balance Transfer
Consolidate debt and lower your rates by transferring other credit card and store balances to your DCTFCU Visa. Complete and return a Visa Balance Transfer Application to the credit union in person, by fax or by mail. We will create a cash advance on your Visa account and pay the accounts per your request once approved.
Convenient Online Management
Manage your D.C. Teachers’ FCU Visa online through eZCard.
- Analyze your spending
- Review your statements
- Pay bills online
Sign up today at www.ezcardinfo.com!
