VISA®
agreement

credit card

VISA
credit card 
agreement

01

VISA Credit Card Agreement
Your use of the United Nations Federal Credit Union (UNFCU)
VISA credit card and convenience checks is governed by this agree-
ment. Therefore, you should read it thoroughly before you sign or
use the card or a convenience check. All transactions, fees,
charges, and payments are due in US dollars. Your UNFCU VISA
credit card and convenience checks may not be used for any ille-
gal transactions. This agreement is subject to change without
notice to you, except as otherwise provided by law.

Definitions
In this VISA credit card agreement, the word "agreement" refers to
this VISA Credit Card Agreement,  the Credit Card Rates sheet, and
the Schedule of Fees and Service Charges , which constitute the
contract applicable to all transactions on your VISA account, even if
the sales, cash advance or credit slips you sign contain different
terms. The words “you” or “your” mean each applicant to whom a
UNFCU VISA credit card is issued. The words “we,” “us,” and
“ours” mean the United Nations Federal Credit Union. The word
“card” refers to the UNFCU VISA credit card that was sent to you.
“Account” refers to your VISA credit card account with us, includ-
ing but not limited to your convenience checks.

Responsibility
This agreement becomes effective once you sign, activate, or
use your UNFCU VISA credit card and/or convenience check or
fail to return it within five (5) business days. If you do not wish
to be bound by this agreement, do not use or activate the card.
Cut it in half, and return it to us immediately. Otherwise, this
agreement will be deemed to have been accepted by you. If
you do sign the card, you should not use it after the expiration
date printed on the face of the card. You should not use any
convenience check after the expiration date printed on the
check. Use of the account means that you agree to pay all
debts and finance charges arising from the use of the card and
convenience checks, and to be bound by all of the terms and
conditions of this agreement. For example, you are responsible
for all charges made by you, your spouse, minors using this
account, and any other authorized cardholders or users. You are

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VISA credit card agreement

also responsible for any charges made by anyone else to
whom you have given the card. You and any person who
signed the application for the account, or who accepts, signs,
or uses the card, or uses the account in any way, will be jointly
and severally liable for payment. This means that we can
enforce the entire payment obligation or any part thereof
against any of you individually and/or as a group. This agree-
ment will bind and benefit both parties to it: you and us. It will
also bind both parties’ legal representatives, successors, and
assigns (your legal representatives are those who have a legal
right to act for you, your successors are those who take your
place, and your assigns are those to whom you transfer your
rights and duties). Please note that you are not permitted to
assign or transfer any rights under this agreement without first
obtaining our consent in writing. Any transfer without our prior
written consent is invalid.

Credit Line
If we approve your application, we will establish a credit line (the
total of purchases and cash advances that you are permitted to
have outstanding on your account at any one time). We will notify
you of the amount upon card issuance. This does not create a
loan commitment on our part. You agree not to let the account
balance exceed this approved credit line. Each payment you make
on the account will restore your credit line by the amount of the
payment, which is applied to the principal. We reserve the right to
amend your credit line at any time. By giving you written notice,
we may reduce your credit line or revoke your card and terminate
this agreement. We may take these actions if you are in default, if
you exceed your credit limit, if your creditworthiness changes
adversely, or if you fail to comply with this agreement in any way,
upon your failure to make any loan payment when due on any
loan with UNFCU; if you have made or do make any false or mis-
leading statements in furnishing financial and other information
to UNFCU; or if any attachment, execution or other legal process
is issued against any of your property. If you wish to increase your
credit line, you must submit an application to us for approval. You
may at any time terminate this agreement. However, termination
by either you or us does not affect your obligation to pay the bal-
ance. Any card(s) we issue to you shall remain our property, and
you must recover and surrender all cards to us upon termination
of this agreement by either party.  You may not transfer loan bal-
ances to this account from other accounts with us. 

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Renewal of Card
For your protection, your VISA credit card is issued with an expira-
tion date. Upon expiration of your VISA credit card, if your account
is active and in good standing, we may automatically issue you a
renewal card. We may choose not to issue a renewal card if your
account is not in good standing or if UNFCU has other grounds
for termination pursuant to applicable law and this agreement.
Furthermore, UNFCU reserves the right to terminate or not
renew your credit card if there is excessive fraud or abuse of your
account privileges or if you fail to comply with the terms of this
agreement. 

Monthly Statement
We will send you a statement each month when there is an 
existing balance or any activity on your account. The monthly
statement will show your previous balance of purchases and 
cash advances. It will also show the current transactions on your
account, the remaining credit available under your credit line, the
new balance of purchases and cash advances, the total new bal-
ance, the finance charge due to date, and the minimum payment
due. Every month, you must pay at least the minimum payment
due. You may pay the total amount you owe (total new balance)
or any portion of it, provided you pay us the minimum payment
due. The minimum payment will be either 1) 2% of the total new
balance or 2) USD 25, whichever is greater, plus 3) any past due
amount(s) shown on previous statement(s), plus 4) any amount
over the credit limit exceeding past due amounts. From time to
time, we may offer certain program and/or promotions, which
may reduce the required minimum payment. You may at any
time pay the total indebtedness of this agreement. If at any time
your total new balance exceeds your credit line, you must imme-
diately pay the excess. Your total payment (including the mini-
mum amount and any excess) will be applied to the balance with
the highest APR first, then down to the balance with the lowest
APR. Refunds of excess credit balances will be posted to your
UNFCU savings account. If you obtain a refund, adjustment, or
credit on a purchase made with your card, you will receive a
credit to your VISA credit card account, not cash.

Grace Period
Your grace period for the repayment of purchase balances 
is twenty-five (25) days. You have no grace period for cash
advance balances, convenience checks, or balance transfers.
Finance charges accrue beginning on the cash advance trans-
action date.

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VISA credit card agreement

Security Interest and Right of Offset
In consideration for UNFCU issuing a VISA credit card to
you, you consent to our right to offset any account payment
delinquency with funds in any of your UNFCU accounts and
that UNFCU will have a security interest in any shares and
deposits in all joint and individual accounts that you and/or any
other person, who is jointly and severally liable under this agree-
ment, have with UNFCU now and in the future. This does not
restrict your rights vis-à-vis your accounts and is not a pledge by
you of the account. Any exercise of this right by us is not an
election of remedies. Shares and deposits in an Individual
Retirement Account (IRA) and any other account that would lose
special tax treatment under state or federal law if given as secu-
rity, are not subject to the security interest you have given in
your shares and deposits. Property given as security for any other
loan may secure all amounts you owe UNFCU now and in the
future.

International  Transactions
International transactions include any transaction that you
make in a foreign currency or that you make outside of the US
even if it is made in USD. Purchases and cash advances made
in non-USD will be billed in USD. VISA converts non-USD into
USD according to a wholesale market rate or government
mandated rate in effect on the transaction posting date. VISA
imposes an International Service Assessment (ISA) fee, also
known as a foreign transaction fee, on all international transac-
tions. This fee will appear on the billing statement of any
UNFCU credit card to which it applies. Please visit
www.unfcu.org/cards to see which cards incur a foreign trans-
action fee and to access the latest rates. UNFCU does not
impose any additional fees of its own for international transac-
tions but reserves the right to do so in the future.

UNFCU VISA Credit Card Convenience Checks
VISA Credit Card convenience checks are a means to access
your VISA line of credit but are not considered VISA transactions.
Therefore, purchases and payments made using a convenience
check are not subject to the benefits described in the VISA Card
Guide to Benefits (including, but not limited to, price protection
and other chargeback protections afforded to VISA credit card
transactions). Likewise, if you have a dispute with a creditor and
pay the balance with a convenience check, you may lose certain
dispute rights. You or an authorized user may use UNFCU VISA
credit card convenience checks issued to you only in the form
we issue them, and only if they bear your or an authorized user’s

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name and the account number that is on the card. UNFCU VISA
credit card convenience checks are processed as cash advance
transactions. Transactions will begin to accrue interest the date
that the transaction posts. There is no grace period for cash
advance transactions. To use a convenience check, you must
complete and sign it in the same way you would a regular per-
sonal check. If the total amount you request exceeds your credit
line, we may either send full or partial payment to your creditors
in the order you provide them to us or we may send you addi-
tional convenience checks, at our option. You cannot use a con-
venience check to pay any amount you owe UNFCU or any of its
affiliates. We have no obligation to pay a convenience check if you
have breached any of the terms of this card agreement; your
account is past due, overlimit, or in default; your check posts after
the void date indicated on the check; your account was not activat-
ed upon your receipt of your card; your right to use the card has
been revoked or terminated; or if the card is expired or reported
as lost or stolen. We will have no responsibility or liability to you if
we do not pay a convenience check for any of those reasons, or
if we pay post-dated convenience checks, or, if by reason of pay-
ment of any post-dated convenience check, (even if we are not
obligated to pay for any of the reasons stated above) a cash
advance results. In the event we do not pay a convenience
check for the reasons stated above and the check is returned, you
will be assessed a returned convenience check fee. Please refer
to the ”Schedule of Fees and Service Charges” for further infor-
mation, available at www.unfcu.org, or by calling or writing
using the contact information at the end of this booklet. This fee
will be posted to your account and be subject to finance charges.
Paid convenience checks will not be returned to you with your
statement. Convenience checks cannot be used until your
account has been activated. Your use or retention of the card
and/or convenience checks indicates your acceptance and intent
to be bound by the terms and conditions of this agreement.

Authorizations
We are not responsible for the refusal by a merchant or financial
institution to honor your card or convenience checks. Except as
otherwise required by applicable law or regulation, merchandise
or services purchased or leased through use of your account on a
non-refundable basis at your discretion may not be disputed for
unsatisfactory performance. Although you may have credit avail-
able, we may be unable to authorize credit for a particular transac-
tion due to operational difficulties or if we suspect fraud or unlaw-
ful activity. If your account is over limit or delinquent, or if you are
in default under this agreement, authorizations of credit for trans-
actions may be declined.

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VISA credit card agreement

Protecting Your Account
We take fraud prevention very seriously and have implemented
certain fraud detection systems to help protect your UNFCU
VISA credit card from fraudulent activity. This detection system
will monitor your card transactions and detect usage, which dif-
fers from your ordinary spending patterns. If we detect poten-
tial fraud, you may receive an inquiry from us regarding the
account. In certain circumstances, we may block the account to
investigate possible fraud. If we decide to block the account,
we will not be liable to you for any damages suffered because
of the blocking. This added fraud protection feature is provided
at no cost to you and does not affect the way your card trans-
actions are processed. This is a precautionary measure to pro-
tect both you and us.

Default and Early Termination
You are in default if you fail to make any minimum payment by 
the payment due date shown on your monthly statement. A late
payment fee will be assessed on your account each time you fail
to make the minimum monthly payment by the payment due date.
This fee will be posted to your account balance and be 
subject to finance charges. Please refer to the ”Schedule of 
Fees and Service Charges” for further information, available at
www.unfcu.org, or by calling or writing using the contact 
information at the end of this booklet. You will also be in default 
if you provide false information on your application, exceed 
your credit limit, fail to comply with any term or condition of this
agreement or any other agreement that you make concerning your
account, fail to provide us with updated financial information if
requested, if any government authority takes action which UNFCU
believes adversely affects your financial condition or ability to repay
if you withdraw or transfer from your share accounts any funds
pledged under this agreement or if you file a bankruptcy petition, a
bankruptcy petition is filed against you, you make a general assign-
ment for the benefit of creditors or if any of the cardholders dies.
If you are in default, use of the card (which at all times remains our
property) must end immediately, and we may, at our option,
demand immediate payment of the entire amount you owe us.
This amount will include any amounts not yet billed to you and any
finance charge or other fee earned by us, without giving you
notice. In any event, we may demand immediate and complete
payment at any time without cause, unless otherwise provided by
applicable law. In the event of default, you are required to cut the
card in half and return it to us. To the extent permitted by law, you
will also be required to pay our collections expenses including court

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costs and reasonable attorney fees. We can accept late or partial
payments, or checks and money orders, marked “paid in full,” or
language having the same intent, without losing any of our rights
under this agreement.

Inactive Accounts
We reserve the right to close your account if it has been inac-
tive for at least 120 days. This is to protect your account from
fraudulent use. We will advise you by letter prior to closing and
may give you the opportunity to re-activate your account. 

Preauthorized Charges
If you default, if your card, convenience check or PIN is lost or
stolen or we change your account or account number for any
reason, we may suspend automatic charges on that account to
third party vendors of other goods or services. If preauthorized
charges are suspended, you must contact the third party vendor 
to reinstate them. You are responsible for making direct pay-
ment for such charges until you reinstate automatic charges.

Finance Charges Calculation
Finance charges are calculated by multiplying the average daily bal-
ance by the monthly periodic rate as described in the section of 
this agreement titled “APR”.  This is known as the “average daily
balance” method. The average daily balance is determined by
dividing the sum of the closing daily balances for each day during
the billing cycle by the number of days in the billing cycle. No
finance charges will be incurred with respect to purchases or other
charges (except cash advances, convenience checks and balance
transfers) during the billing cycle in which they are debited from
the account if the previous balance is zero or shows a credit due to
the member, or if the total amount credited during the billing cycle,
as shown on the billing statement, equals or exceeds the previous
balance. Finance charges will be calculated on the total purchase
balance unless full payment is received within the grace period.
Finance charges on cash advances, convenience checks and bal-
ance transfers accrue from the date the transaction posts to the
account. There is no grace period for cash advances, convenience
checks, or balance transfers.

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VISA credit card agreement

Credit Information
You agree that we may request consumer credit reports from
one or more credit reporting agencies when opening, renewing,
reviewing, or administering your account. You also authorize us
to exchange credit information concerning you or your account
with (and answer questions and requests from) others, such as
merchants and credit reporting agencies, concerning your cred-
it history with us. 

Personal Identification Number
We will issue a Personal Identification Number (PIN) to you.
This PIN will allow you to make cash withdrawals and purchases
at payment terminals compatible with Chip and PIN credit cards.
Your PIN is your secret code. You agree not to disclose your PIN to
anyone and to notify us immediately if you believe your PIN has
been stolen.

Liability for Unauthorized Use 
If your card(s), convenience check(s) or PIN is lost or stolen, or if
you believe someone may be using your account without your per-
mission, you must notify us immediately. You may contact us by
writing to: UNFCU Court Square Place 24-01 44th Road Long Island
City, N.Y. 11101-4605 USA, or by calling us at +1 347-686-6000, or
toll-free within the US/Canada at 1-800-891-2471. We may termi-
nate or limit access to your account if you have notified us or we
have determined that your card, convenience checks and/or PIN
may have been lost or stolen, or that there may be unauthorized
access to your account. You may be liable if there is unauthorized
use before your notice to us. In general, your liability for unautho-
rized use of your card before your notice to us will not exceed USD
50. The USD 50 limit does not apply for convenience checks and
cash advances. You will not be liable for any unauthorized use of
your card that occurs after you notify us. If you fail to notify us
within 60 days from the date a statement was first transmitted to
you that included an unauthorized charge, you may not be
reimbursed for unauthorized transactions that occurred. Failure to
promptly notify UNFCU of unauthorized use may also result in the
closing of your account. We may terminate or limit access to your
account if you have notified us or we have determined that your
card, convenience checks and/or PIN may have been lost or stolen,
or that there may be unauthorized access to your account. 

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Inquiries or Questions
You may address any inquiries or questions that you have
about your account to UNFCU Court Square Place 24-01 44th
Road Long Island City, N.Y. 11101-4605 USA. Additionally, 
you can call us at +1 347-686-6000 or toll-free within the
US/Canada at 1-800-891-2471. Outside the US and Canada
use one of the toll-free numbers listed on the back of this
brochure. If you telephone us instead of writing, you may lose
certain rights the law gives you to dispute billing errors (see
“Your Billing Rights” section).

Additional Payment Information
Payments accompanied by a payment stub, received at 
New York branches and payment made through internet bank-
ing, Mondays through Fridays excluding UNFCU holidays, will be
posted on the day of receipt provided it is received by 17:00
(5:00 pm) Eastern Standard Time. Although payment made
elsewhere may not be posted on the day of receipt, it will be
posted within five (5) business days thereafter. Cash payments
may be made at the branches only. For your security, please do
not mail in cash payments.  Check payments should be mailed
with a payment stub to UNFCU Payment Processing Centre
P.O. Box 9307 Des Moines, IA 50306-9307. Automatic pay-
ments that cannot be processed due to insufficient funds in
your designated UNFCU savings or checking account will result
in an insufficient fund (NSF) fee.

Verification of Identity
Due to recently passed legislation to combat identity theft, you
may experience delays in receiving an additional and/or replace-
ment credit card if you recently changed your address or even
if postal mail we sent to you was returned as undeliverable. In
some cases, you will be asked to provide us with additional 
information and documentation so that we can verify your iden-
tity before issuing an additional or replacement card. These
measures are to protect you from identity theft. 

How One Section of This Agreement 
Affects Another
Any section of this agreement that becomes invalid or 
unenforceable under any law, rule, or regulation of any federal,
state, or local government agency will not in any way affect 
any other part of this agreement.

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VISA credit card agreement

Delay in Enforcing Our Rights
We can delay enforcing our rights under this agreement without
losing them.

Applicable Law
The laws of the United States of America and the State of New
York apply to this agreement and to the use of your UNFCU
VISA credit card convenience checks, and your account. 

Amendments
We may amend this agreement, from time to time without prior
notice to you, unless otherwise provided by applicable law or regu-
lation. If we notify you of a change you do not agree to, you must
notify us in writing and send us the card if you wish to cancel your
account. Your failure to return the card within five (5) business days
of the effective date of the amendment, or your use of the card
thereafter, will indicate your agreement to the amendments. To the
extent permitted by law, amendments may apply to your existing
account balance as well as future transactions.

Miscellaneous
A microfilm or other photographic copy of any sales slip or 
similar form showing a purchase, credit voucher, or cash advance
order, as well as any electronic data made on the basis of 
the card, will establish the amount you owe us. You agree 
to reimburse us for any costs that we incur in providing you with
microfilm or photographic copies of any sales slip; cash advance
order, credit voucher, or similar form including electronic data that 
is not required to be provided to you by law. You agree to give us 
at least ten (10) business days prior notice of any change in your
mailing address. You also agree to notify us immediately in writing 
if you change your name, place of employment, or home address.

11

Your Billing Rights: Keep this Document for
Future Use
This notice tells you about your rights and our responsibilities
under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

UNFCU, Court Square Place
24-01 44th Road Long Island City
N.Y. 11101-4605 USA
Attention: Card Services Department

Or email us at: email@unfcu.com

In your letter, or email, please include the following information:
•  Account information: Your name, member number and/or

account number.

•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your
bill, describe what you believe is wrong and why you believe
it is a mistake.

You must contact us:
•  Within 60 calendar days after we sent the first statement on

which the problem or error appeared.

•  At least 3 business days before an automated payment is

scheduled, if you want to stop payment on the amount you
think is wrong.

You must notify us of any potential errors in writing or via
email. You may call us, but if you do we are not required to
investigate any potential errors and you may have to pay the
amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that
we received your letter. We will also tell you if we have already
corrected the error.

2. Within 90 days of receiving your letter, we must either correct
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as

delinquent on that amount.

• The charge in question may remain on your statement, and we

may continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are

responsible for the remainder of your balance.

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VISA credit card agreement

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in
question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the
amount in question, along with applicable interest and fees. We
will send you a statement of the amount you owe and the date
payment is due. We may then report you as delinquent if you do
not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you
must write to us within 10 days telling us that you still refuse to
pay. If you do so, we cannot report you as delinquent without also
reporting that you are questioning your bill. We must tell you the
name of anyone to whom we reported you as delinquent, and we
must let those organizations know when the matter has been set-
tled between us.

If we do not follow all of the rules above, you do not have to pay
the first USD 50 of the amount you question even if your bill is 
correct.

Your Rights If You Are Dissatisfied With Your Credit Card
Purchases

If you are dissatisfied with the goods or services that you have pur-
chased with your credit card, and you have tried in good faith to
correct the problem with the merchant, you may have the right not
to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or with-
in 100 miles of your current mailing address, and the purchase
price must have been more than USD 50. (Note: Neither of these
are necessary if your purchase was based on an advertisement we
mailed to you, or if we own the company that sold you the goods
or services.)

2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that
accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with
the purchase, contact us in writing or via email at:

UNFCU, Court Square Place
24-01 44th Road Long Island City
N.Y. 11101-4605 USA
Attention: Card Services Department
email@unfcu.com

While we investigate, the same rules apply to the disputed amount
as discussed above. After we finish our investigation, we will inform
you our decision. At that point, if we determine that you owe an
amount and you do not pay, we may report you as delinquent.

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Annual Percentage Rate (APR)
For new VISA accounts, an introductory APR will be estab-
lished on the date your account is opened and remain in effect
for the next six billing cycles. After your sixth billing cycle, your
APR is subject to change based on the Prime Rate as pub-
lished in the Wall Street Journal on the last day of the preced-
ing month plus a margin. If there is more than one Prime Rate
published for the last day of the month, we will use the highest
one published. For VISA Azure and UNA-USA cards, the margin
that is used to determine your APR is 7.65%. For VISA Elite
cards, the margin that is used to determine your APR is 6.65%.
For current rates, please visit www.unfcu.org.

For members paid in local currencies of developing nations, the
APR will be based on the UNFCU VISA Azure credit card rate as
published in the UNFCU rate sheet, plus a margin of 2%. All other
terms regarding the APR for your UNFCU VISA credit card apply.

Annual Fee
For VISA Azure and UNA-USA credit card accounts, there is no
annual fee. For VISA Elite accounts, there is an annual fee of USD
50. The annual fee will be posted to your account on your first
billing cycle and on each subsequent twelve (12) month anniversary
of your first billing cycle. The annual fee will be posted to your
account balance and be subject to finance charges. UNFCU does
not charge a fee for issuing your VISA card. However, for any VISA
account in which a credit card, whether issued in the name of the
account holder or an authorized user, has been replaced two (2)
times, there is a re-issuance fee of USD 20 for each subsequent
replacement.

ATM Safety
Please take appropriate precautions when using ATMs. For tips 
on ATM safety, see our website, your UNFCU Membership
Disclosures and Agreements or your Electronic Funds 
Transfer booklet.

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VISA credit card agreement

Priority Pass SelectTM Use and Limitations
VISA Elite credit cardholders who are twenty-one (21) years of age or
older may be issued a Priority Pass Select card. The fee for visiting a
Priority Pass Select lounge is determined by Priority Pass Select, and
will be charged to your UNFCU VISA Elite credit card. This transaction
will be posted as a debit to the purchase balance and is subject to
finance charges. When you use your UNFCU VISA Elite credit card to
purchase airline tickets, UNFCU will pay for up to five (5) Priority Pass
Select visits per year, per VISA Elite account. After the first five visits,
a lounge visit fee of USD 27 per person, per visit will be charged to
your UNFCU VISA Elite credit card. Annual membership for additional
Priority Pass Select cards on your UNFCU VISA Elite credit card is free.
Unused lounge visits expire each year and do not carry over to future
years. Lost or stolen Priority Pass Select cards must be immediately
reported to  Priority Pass Select by calling +1 800-352-2834 within
within the US/Canada or Mexico. Outside the USA, please call +1 972
735 0536. Priority Pass Select airport lounge locations, prices, and
terms and conditions are subject to change without notice. Please
visit www.prioritypass.com for current locations and information. 

VISA Credit Card Rewards Program Limitations
UNFCU provides a VISA rewards program which cardholders can
enjoy by redeeming the rewards points accumulated for purchases
made with the VISA credit card.  VISA reward points are not accu-
mulated for cash advances or convenience checks or balance
transfers. VISA reward points or credits may have no monetary
value and may only be used as specified in the VISA Rewards
Program booklet, as amended from time to time. You understand
and agree that any Rewards Program points or credits will be for-
feited immediately upon closure of the Account by you or us and
may also be forfeited if you are in default. Rewards points are
subject to expiration after which time they are forfeited. The
expiration date will be disclosed on your monthly statement and
can be found our website under the FAQs. Forfeited points will
not be reinstated. We may, at any time and subject to applicable
law, change any term or condition, or add any term or condition,
to any VISA Rewards Program without notice to you. To redeem
or learn more about the rewards program benefits, log into inter-
net banking. You can also contact the Rewards Program Center
via telephone at +1 800-759-0936.

15

Contact Us!
We make it easy for you to reach us, whether you prefer
communicating via the Internet, telephone or postal
mail. Contact a Member Service Representative for
assistance with any of your financial requests.

WebChat: Instantly communicate with a member 
service representative by clicking on the UNFCU
WebChat link located online at www.unfcu.org or 
while on session in Internet Banking..

This service is available Monday – Friday between
03:00 – 22:00 (3:00 am – 10:00 pm) and Saturday 07:00 –
15:00 (7:00 am – 3:00 pm) New York Eastern Standard
Time (EST).

Email: Send your request to email@unfcu.com

Telephone7: Speak with a Member Service Representative
Monday – Friday 03:00 – 22:00 (3:00 am –10:00 pm) EST
and Saturday 07:00 – 15:00 (7:00 am – 3:00 pm) EST by
dialing +1 347-686-6000, or call toll-free from the fol-
lowing international locations.

Australia                                              1-800-77-2730
Austria                                                 0800-901-010
Brazil                                                  0800-891-3651
Chile                                                   1230-020-0607
Colombia                                         01-800-912-2014
Cyprus                                                      800-90383
Denmark                                                   8088-6833
France                                                  0800-90-2637
Germany                                            0800-186-0722
Guatemala                                        1-800-288-0099
Israel                                                    180-94-04338
Italy                                                        800-873-904
Mexico                                          001-800-891-2471
Netherlands                                       0800-022-2763
South Africa                                         0800-99-3795
Switzerland                                          0-800-897860
Thailand                                   001-800-110-08-1843
United Kingdom                                   0800-96-0726
United States/Canada                       1-800-891-2471

Facsimile: Fax your request to Member Directed
Services at +1 347-686-6400

Postal Mail: United Nations Federal Credit Union
ATTN: Member Directed Services
Court Square Place
24-01 44th Road
Long Island City, NY 11101-4605 
USA
7Telephone numbers are subject to change without prior notice. For a 
complete up-to-date listing, visit www.unfcu.org, and click on “Contact Us.”

Visit UNFCU:
Please go to www.unfcu.org for the addresses 
and hours of operations for each of our locations.

We have branches in the U.S.:
* New York City
* Washington, D.C.

We have representative offices in Europe and Africa:
* Geneva, Switzerland
* Nairobi, Kenya
* Rome, Italy
* Vienna, Austria

   
serving the people who serve the world®

United Nations Federal Credit Union 
Court Square Place
24-01 44th Road
Long Island City, NY 11101-4605
+1 347-686-6000 
www.unfcu.org
email@unfcu.com

This credit union is federally insured by the National Credit Union Administration
(NCUA). Accounts and shares are insured by the Administration to the maximum
insurance amount for each member or shareholder. Unless otherwise noted, fees
may be associated with certain products and services. Certain UNFCU products
and services are subject to approval. Federal and state laws may limit the
availability of certain products and services in select areas. 

© 2015 UNFCU and ‘serving the people who serve the world’ 
are registered marks of United Nations Federal Credit Union. 
All rights reserved.06/2015

G-13915     UNFCU Cardholder Agreement