and help yourself or a CFCU sponsored organization with up to 1% cash back.
First-of-its-Kind CFCU Card Carries a Rate as Low as 5.24%*, Pays You Cash Back and More! With offers of “0%” credit cards from some of the biggest names in banking nationally filling your mailbox, why would you want to choose Creighton Federal’s new Platinum Prime VISA®? Why wouldn’t you? *As of 1-1-2009.
Creighton Federal’s New Platinum Prime VISA® Card
Study participants were much happier with cards issued by credit unions - both the cards and the customer service.
CFCU’s new Platinum Prime VISA® offers rates as low as 5.24%* on unpaid balances, carries no annual fee, no cash advance fee and no balance transfer fee.
A Platinum Prime VISA® pays up to 1% cash back on all purchases.
Cash back can be paid directly to you or as a tax-deductible donation to your choice of CFCU supported organizations - Creighton University or College of St. Mary Athletics; Bergan Mercy Auxiliary; Mercy Hospital Guild; St. James/Seton School, St. Bernard School, or St. Pius X/St. Leo School.
Your Card is Waiting!
Apply today and be one of the first in the city to take advantage of the money saving and cash back benefits of this fantastic, new card. Email your application request, Apply online or you can apply at any Creighton Federal branch or by calling 402-341-2121 or 1-800-967-1477 and ask for a printed application.
Creighton Federal's Platinum Prime VISA Credit Card Information
Annual Percentage Rate
(APR) for Purchase
5.24 to 15.99%
APR as of 1-1-09. BAsed on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
5.24 to 15.99%
AS of 1-1-09. The APR will vary with the market based on the Prime Rate.
APR for Cash Advance
5.24 to 15.99%
AS of 1-1-09. The APR will vary with the market based on the Prime Rate.
Variable Rate Information
Your annual percentage rate may very monthly. The rate is determined by adding a margin to the Prime Rate. The margin is 1.99% to 9.99%
How to avoid Paying Interest on Purchases
Your due date is at least 25 days after the closing of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for our credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard .
1. None
2. None
3. 1% of each transaction in U.S. dollars
Penality Fee
1. Late Payment
2. Over-the-Credit Limit
3. Returned pmt.
1. $20 2. $20 3. $20
How Will We Calculate Your Balance
We use a method called "average daily balance (including new purchases)."
Foreign Currency Fee
1%
Go Online and Get Your Credit Card Information Between Statements.
Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:
Current Balances
Credit Limit
Minimum Payment
Due Date
Past Payments and lots more!
Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:
Password is linked to your card, not your computer.*
Help prevent unauthorized purchases before they even happen
* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above.
Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.
Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of February 1, 2000. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.
No small type. No gimmicks. No variable rates. There are many good reasons to own a Creighton Federal VISA instead of others. Why pay more for the very same worldwide convenience and accepted credit? Your Creighton Federal VISA is the most widely accepted card in the world. No matter where you are, you have access to your credit limit for cash, for all types of purchases, for emergencies. Safer than carrying cash, having a Creighton Federal VISA is another smart way to manage your money.
Other Platinum VISA advantages include:
$250,000 in Travel Accident Insurance
Auto rental collision coverage
24/7 online account information, and recent transactions
Online access to current and up to 18 months of past statements
Priority Alerts — free email notices about the status of your account or
a personal occasion
Customized expense reports
Online payment of your Platinum VISA from an account at any financial institution
Verified by VISA — protection from unauthorized online purchases
Lost or Stolen VISA Cards, Please Call: 1-800-808-7230
Annual Percentage Rate
(APR) for Purchase
14.9%
APR for Balance Transfers
14.9%
APR for Cash Advance
14.9
Variable Rate Information
None
How to avoid Paying Interest on Purchases
Your due date is at least 25 days after the closing of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for our credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard .
1. None
2. None
3. 1% of each transaction in U.S. dollars
Penality Fee
1. Late Payment
2. Over-the-Credit Limit
3. Returned Payment
1. $20 2. $20 3. $20
How Will We Calculate Your Balance
We use a method called "average daily balance (including new purchases)."
Foreign Currency Fee
1%
Go Online and Get Your Credit Card Information Between Statements Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:
Current Balances
Credit Limit
Minimum Payment
Due Date
Past Payments and lots more!
Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:
Password is linked to your card, not your computer.*
Help prevent unauthorized purchases before they even happen
* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above .
To apply, simply complete the visa application form online. You will receive a full agreement, disclosure statement and your billing rights after your card is issued. Creighton Federal's Classic VISA is also available on a collateral secured basis. A deposit can be pledged to secure a credit limit on a Classic Visa to members who would not otherwise qualify for a credit card. Apply for the Classic VISA online or pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.
Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.
Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of 1-1-2009. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.
Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.
With only your signature, loans are available for a wide variety of purposes including personal computer, vacations, medical bills, major appliances and furnishings, bill consolidation and other needs.
Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you. A loan calculator is available to help you compute your monthly payments.
Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply: For Closed Ended Fixed Rate Unsecured Loans, Fixed Rate of 8.99%-12 monthly payments of $87.47 per $1000 borrowed, or 9.99%-24 monthly payments of $46.15 per $1000 borrowed, or 10.99%-36 monthly payments of $32.74 per $1000 borrowed.
Use your deposit in a savings account or regular certificate as collateral for a share secured loan. With a share secured loan the interest rate is lower than with an unsecured personal loan. Your deposit continues to earn interest while you repay the loan reducing even further your cost for borrowing money.
Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you. A loan calculator is available to help you compute your monthly payments.
Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The terms described in this disclosure are for illustration purposes only and subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. For Closed Ended Secured Share Loans-Savings Secured, Fixed Rate of 5.00%-12 monthly payments of $85.62, Certificate Secured, Fixed Rate of CD Rate plus 1.5%, thus using current rates, Fixed Rate of 4.13%-39 monthly payments of $27.45 per $1,000 borrowed.
15% Annual Percentage Rate Loan Rate Discounts Do Not Apply
A line of credit can be established to protect your account from expensive, embarrassing overdrafts and unexpected checking needs. Approval on applications is fast, usually within 24 hours. Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you.
Important Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders.Create your own password today
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