This review is for the ESL Federal Credit Union Visa Gold Credit Card. This is currently the only consumer credit card offered by the credit union that is based out of Rochester, NY. However, in addition to the Visa Gold Credit Card, ESL Federal Credit Union also offers four different Visa prepaid and Visa Gift card options.
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The prepaid credit card options available through ESL Federal Credit Union vary based on your needs, but it is important to know that most pre-paid cards are not free and can carry several unforeseen expenses according to MarketWatch.
ESL Federal Credit Union Visa Gold Credit Card Details
The ESL Federal Credit Union Visa Gold Credit Card offers a special credit card introductory annual percentage rate of 3.99% for the first six months after the card is opened. The permanent rate for the card is set at 6.73% plus the current prime rate and can vary between 9.98% and 17.99%.
The credit limit for the ESL Federal Credit Union Visa Gold Credit Card is between $500 and $15,000, and there is no annual fee for the card. The annual percentage rate for cash advances and balance transfers is the same as the purchase rate.
Benefits of the ESL FCU Visa Gold Card
Benefits associated with this card include:
- The ability to access 24 hours a day online
- Additional Visa cards at no extra charge
- Free card replacement in an emergency
Another benefit for cardholders is the Owners’ Dividend. This is cash back that you can receive based on the amount of interest you pay each year.
ESL FCU Visa Gold Credit Card also offers complete auto insurance rental coverage, a warranty extender for large purchases, and free emergency and travel coverage including medical assistance, legal counsel, and misplaced baggage help. It is also accepted at all places that take Visa cards.
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