Visa® 
   credit card 
agreement

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 agreement. 
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 illegal 
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 
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, including 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 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.

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Visa credit card agreement

You are 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 
agreement 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 misleading 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 balance. 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 balances 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 
expiration 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 balance, 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) 2.00%  
of the total new balance or 2) $25.00, 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 immediately pay the excess. Your total 
payment (including the minimum amount and any excess) will 
be applied to the balance with the highest Annual Percentage 
Rate (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 25 days. You have no grace period for cash advance balances, 
convenience checks, or balance transfers. Balance transfers 
are processed as cash advance transactions. Finance charges 
accrue beginning on the cash advance transaction 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 
agreement, 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 
security, 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 US dollars. Purchases and cash advances 
made in non-US dollars will be billed in US dollars. Visa converts 
non-US dollars into US dollars 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 transactions. 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 transaction fee and to access the latest rates. UNFCU 
does not impose any additional fees of its own for international 
transactions 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 
name and the account number that is on the card. UNFCU Visa 

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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 
personal 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 additional convenience checks, at our option. You cannot use 
a convenience 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 
activated 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 payment 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 Fees and Service Charges for further 
information, available on 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 
available, we may be unable to authorize credit for a particular 
transaction due to operational difficulties or if we suspect fraud 
or unlawful activity. If your account is over limit or delinquent, or 
if you are in default under this agreement, authorizations of credit 
for transactions 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 
differs from your ordinary spending patterns. If we detect 
potential 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 transactions 
are processed. This is a precautionary measure to protect 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 Fees and Service 
Charges for further information, available on 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 assignment 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 costs and reasonable attorney 
fees. We can accept late or partial payments, or checks and 

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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 inactive 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 payment 
for such charges until you reinstate automatic charges.

Finance charges calculation
Finance charges are calculated by multiplying the average daily 
balance 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 balance 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 credit 
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 personal identification 
number (PIN) is lost or stolen, or if you believe someone may be 
using your account without your permission, you must notify  
us immediately. You may contact us by writing to: UNFCU  
Court Square Place, 24-01 44th Road, Long Island City, NY 
11101, USA, or by calling us at +1 347-686-6000, or toll-free 
within the US/Canada at 1-800-891-2471. 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. You may be liable if there is unauthorized use 
before your notice to us. In general, your liability for unauthorized 
use of your card before your notice to us will not exceed $50.00. 
The $50.00 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, NY 11101, 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 www.unfcu.org/tollfree. 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 Digital Banking, 
Mondays through Fridays excluding UNFCU holidays, will be 
posted on the day of receipt provided it is received by 17:00 
Eastern Standard Time. Although payment made elsewhere 
may not be posted on the day of receipt, it will be posted 
within five 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 Center 
P.O. Box 9307 Des Moines, IA 50306-9307. Automatic payments 
that cannot be processed due to insufficient funds in your 
designated UNFCU savings or checking account will result in 
an insufficient fund (NSF) fee, as listed on the UNFCU Fees and 
Service Charges.

Verification of identity
Due to recently passed legislation to combat identity theft, 
you may experience delays in receiving an additional and/
or replacement 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 identity 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 
regulation. 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 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 
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.

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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, NY 11101, 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 three 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.

•  We can apply any unpaid amount against your credit limit.

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Visa credit card agreement

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 settled between us.

If we do not follow all of the rules above, you do not have to 
pay the first $50.00 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 
purchased 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.  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.

2.  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, NY 11101, 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 of 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 established 
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 published in  
The Wall Street Journal on the last day of the preceding 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 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. 

Annual fee
For Visa Azure credit card accounts, there is no annual fee. For 
Visa Elite accounts, there is an annual fee of $50.00. The annual 
fee will be posted to your account on your first billing cycle and 
on each subsequent 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 times, there is a 
re-issuance fee of $20.00 for each subsequent replacement.

ATM safety
Please take appropriate precautions when using ATMs. For tips  
on ATM safety, see your UNFCU Membership and Accounts 
agreement.

TM

 Select use and limitations

Priority Pass
Visa Elite credit cardholders who are 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 Priority Pass 
Select visits per year, per Visa Elite account. After the first five visits, 
a lounge visit fee of $32.00 per person, per visit will be charged to 
your UNFCU Visa Elite credit card. Annual membership for additional 

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Visa credit card agreement

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 reward points accumulated for  
purchases made with the Visa credit card. Visa reward points  
are not accumulated for cash advances, convenience checks,  
or balance transfers. Visa reward points or credits may have  
no monetary value and may only be used as specified on the  
credit card rewards website, accessible through Digital Banking.  
You understand and agree that any rewards program or credits 
will be forfeited immediately upon closure of the account by 
you or us and may also be forfeited if you are in default. Reward 
points are subject to expiration after which time they are 
forfeited. The expiration date will be disclosed on your monthly 
statement. 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 credit card 
rewards program without notice to you. To redeem or learn more 
about the rewards program benefits, log in to Digital Banking.

15

Contact Us
Contact a member service representative for assistance with 
any of your financial requests.

Email: Send your request to email@unfcu.com.

Telephone 1: Call +1 347-686-6000 or use a toll free number from 
international locations listed on www.unfcu.org/tollfree.

WebChat: Instantly communicate with a member service 
representative by clicking on the UNFCU WebChat link located 
online at www.unfcu.org/contact..

Facsimile: +1 347-686-6400

Postal mail: 
United Nations Federal Credit Union 
Court Square Place, 24-01 44th Road 
Long Island City, NY 11101, USA
Attention: Member Directed Services

1  Telephone numbers are subject to change without prior notice.  
For a complete up-to-date listing, visit www.unfcu.org.

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 US:

•  New York City
•  Washington, DC

We have representative offices in Europe and Africa:

•  Entebbe, Uganda
•  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, USA 
+1 347-686-6000  
www.unfcu.org 
email@unfcu.com

© 2020 UNFCU and ‘serving the people who serve the world’  
are registered marks of United Nations Federal Credit Union.  
All rights reserved. 01/2020

G-13915     UNFCU Cardholder Agreement