IMPORTANT VISA DISCLOSURE INFORMATION
The below information is current as of March 1, 2025. This information is subject to change after that date.
Please contact us at P.O. Box 8023, El Monte, CA 91734, to learn of any changes.
| MORE Rewards Visa | Share Secured |
Non-Variable Annual Percentage Rate
for Purchases | 8.90% | - | 17.90%* | based on credit worthiness | 10.90% |
Non-Variable Annual Percentage Rate
for Balance Advances | 8.90% | - | 17.90%* | based on credit worthiness | 10.90% |
Non-Variable Annual Percentage Rate
for Cash Advances | 8.90% | - | 17.90%* | based on credit worthiness | 10.90% |
| 0% Promotion Terms for Balance Transfers | Promotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions. |
| Transaction Fee for Promotional Balance Transfer | 3% charged for all Balance Transfers with a minimum of $5.00 |
| How to Avoid Paying Interest on Purchases | Your due date is at least 26 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month |
| Overlimit Fee | up to $29.00 |
| Annual Fee | NONE |
| Transactional Fee for Cash Advances / Overdraft | 2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00
checking account overdraft fee |
| Late Payment Fee | up to $29.00 |
| Minimum Interest Charge | If you are charged periodic interest, the charge will be no less than $0.50 |
| Penalty APR | 17.9%
This penalty APR may be applied to your account if you make a late payment.
How long will penalty APR apply? If your APR increases for this reason, the penalty
APR will apply until you make six (6) consecutive minimum payments when due.
Purchases during this time period will remain at penalty rate. |
| Foreign Transaction Fees | 1% of international transaction requiring currency conversion |
| Returned Payment Fees | $23.00 |
| 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 Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
*How your finance charge is calculated: We use a method called “average daily balance (including new purchases)”. Certified Federal has a managed-risk credit program with rates based on FICO scores. Your rate will be determined at the point of processing. You authorize Certified Federal, to verify or check any of the information given, including credit references and employment. You authorize Certified Federal to obtain credit reports from any credit reporting agency in connection with your application or with any updated renewal or extension of credit (including your spouse’s if you live in a community property state). You authorize Certified Federal to provide credit information about you and your account to others. You also agree to be bound by the terms and conditions of the Visa Card Agreement and Federal Truth-in-Lending Disclosure Statement for your account. Any credit access devices issued for this account may be sent to the applicant only, and he or she is responsible for ensuring that the additional access devices are delivered to the other applicant on the account. All terms are subject to change. For more information, call 323.859.2250.
