Toyota has operations in many countries, including the U.S., where it provides its employees with a long list of benefits. Among those benefits are the Toyota Federal Credit Union credit cards. However, Toyota does not own and operate the credit union itself; rather, it contracts with Western Federal Credit Union to provide financial services to members.
Western offers three Visa cards: the Visa Classic, the Visa Gold, and the Visa Platinum. All three can be used worldwide at millions of retail outlets and ATMs, as well as online wherever Visa is accepted. As a branded Visa product, the Toyota Federal Credit Union credit card is eligible for standard Visa benefits according to the individual card classification. Get more online credit card offers now!
In order to apply one must be a member of the credit union. Application is made by visiting the Western Federal Credit Union website and navigating to the Toyota category. You may fill out an online application form or call the toll-free number provided.
Toyota Federal Credit Union Credit Card – Visa Classic
The Toyota Federal Credit Union Visa Classic card has no annual fee and carries an APR of 10.99% to 18.00% for all purchases. The disclosure provided by Western makes no mention of different APR’s for balance transfer credit card transactions or cash advances. It is therefore assumes that the standard APR applies to all transactions regardless of type.
The Visa Classic card provides a list of benefits including auto rental collision insurance, no fees for cash advances, loan protection insurance, the option to use the card as overdraft protection on other accounts, and the availability of convenience checks.
Toyota Federal Credit Union Credit Card – Visa Gold
The Toyota Federal Credit Union Visa Gold card also has no annual fee with an APR of 9.99% to 17.75%. Again, it is assumed this rate is applied to all transactions. Additional benefits of the gold card include travel credit card accident insurance in amounts up to $400,000, assistance for both travel and general emergencies, and warranty manager service on all purchases.
Toyota Federal Credit Union Credit Card – Visa Platinum
The no annual fee Visa Platinum card carries the best interest rate of the three at 8.99% to 17.90%. In addition to all of the benefits included in the Gold and Classic cards, the Platinum card provides a credit limit of up to $50,000 and no fees for balance transfers or cash advances. Find other online credit card offers now!