US Federal Credit Union Visa Gold Credit Card

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US Federal Credit Union Visa Gold Credit CardThe US Federal Credit Union’s Visa Gold credit card is one of three Visa cards offered to members. In order to apply for this or any of the credit union’s cards you must first qualify for membership and open a member savings account with a $5 deposit.

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Most banks are there to make money for their stockholders, just like any other business. Credit unions are different. They are not-for-profit organizations created to help people meet their financial goals. They are also owned by members. CBS News reports that many people are turning to credit unions because of lower costs and better customer service.

US Federal Credit Union Information

Credit unions usually service a select group of people. In the case of USFCU, this means the people of certain counties in Minnesota. If you meet their geographic eligibility requirement, then you will need to open a member account, which in this case is a savings account with at least $5 in it.

Once this is done, you can apply for any of the other services offered by USFCU. This includes applying for one of the credit union’s three Visa cards. For those with excellent credit, USFCU offers a Visa Platinum card with a 9.99% APR. For those who don’t qualify for either the Platinum card or Gold card, there is also a Visa Classic with a 13.99% APR.

US Federal Credit Union Visa Gold Credit Card Account

Members of the US Federal Credit Union with very good credit can receive the Visa Gold card. It charges an interest rate as low as 11.99%. Your actual interest rate may vary, as USFCU also takes your credit, total income, and total debt into account when approving credit card applications. There is a 25-day grace period as well, giving you time to pay off the credit card balance before being charged any interest.

As a Visa Gold cardholder, you’ll receive free fraud monitoring and identity theft protection.

All this comes from a card that doesn’t charge an annual fee, a balance transfer fee, or a cash advance fee.

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