Your credit union,

     your credit card.

Credit Card Application

Your Personal Information

Credit Limit Requested $______________________

Card Preference: o VISA Platinum Rewards  o MasterCard®   

o Student MasterCard®  (Parental co-applicant required)  o Chip & PIN 

(Available as a VISA Platinum Rewards Card - Blue Metallic Design)

Keesler Federal Account Number  

Birth Date

Card Design: o Blue Metallic  o Defender  o Color Splash  

Last Name 

First Name 

Middle Initial

o Eagle  o Fleur de Lis  o Chip & PIN Blue Metallic (UK only)

† Chip & PIN card available in Blue Metallic only for the VISA Platinum Rewards Card. Custom 

card designs are not available in Louisiana. Blue metallic Visa Rewards Card will be selected 

Home Phone

for Louisiana applications.

Optional Credit Card Services

Social Security Number  

Current Address

Get your credit card from the credit union you 

already trust. With it, you’ll have options for your 

every need without hidden fees. And if you happen 

City 

State 

Zip

Mortgage/Rent Payment (monthly)                     o Own    o Rent   o Other

authorized user(s).

AUthorized Users (iF Any)

Complete if authorized user(s) is someone other than member or joint 

applicant. I understand that I will be responsible for any charges made by the 

User(s)  

             |             Relationship             |              Social Security #

to be late on a payment, we won’t raise your  

Nearest Relative 

Phone

interest rate as many other credit card issuers may.

Address of Nearest Relative (from above)  

You can count on the integrity of your Keesler 

Federal relationship. To take advantage of this 

offer, there are three  easy ways to apply. Call 

1-888-KEESLER in the US or 0-800-585-765 in 

the UK, go to www.kfcu.org, or fill out the enclosed 

application-simply tape the  sides completely and 

drop it in the mail.

You can even choose the design† of your card.        

Be sure to let us know which card design you’d like 

by marking the appropriate box on the application.

† Chip & PIN card available in Blue Metallic only for the 

VISA Platinum Rewards Card. Custom card designs are not 

available in Louisiana. Blue metallic Visa Rewards Card will 

be selected for Louisiana applications. 

Present Employer 

Employer Address

Employer Phone  

Years Employed There

Automatic Payment Option

I request the automatic payment option from: (choose one)

o My Keesler Federal savings account 

Your Position/Rank

o My Keesler Federal checking account

Your Co-Applicant’s Personal Information  

Complete this section: (1) About your spouse if you live in a community property state 

(AZ, CA, ID, LA, NM, NV, TX, WA, WI); (2) If there is a guarantor on this account and/or 

this will be a student account; (3) if you want joint credit.

Keesler Federal Account Number 

Birth Date

Last Name 

First Name 

Middle Initial

Social Security Number  

Home Phone

Current Address

City 

State 

o Make the minimum monthly due by automatic payment, 

    which is 3% of the balance.

o Pay a fixed amount each month of $___________________.

    Must be at least 3% of your credit limit.

    Example: fixed payment on a $1,000 credit limit is $30.)

Please Read and Sign

iMPortAnt inForMAtion AboUt oPening A new AccoUnt: To help the 

government fight the funding of terrorism and money laundering activities, 

Federal law requires all financial institutions to obtain, verify, and record 

information that identifies each person who opens an account. What this 

means for you: When you open an account, we will ask you for your name, 

address, date of birth, and other information that will allow us to identify you. 

We may also ask to see your driver’s license or other identifying documents.

Zip

I/we agree to all of the Credit Card Terms and Conditions and authorize a 

credit report in connection with this application and that use of this card will 

Mortgage/Rent Payment (monthly)                     o Own    o Rent   o Other

constitute acceptance.

Present Employer 

Employer Address

Employer Phone  

Gross Annual Income*

Years Employed There

Keesler Federal Account Number 

Your Position/Rank

Applicant Signature 

Co-Applicant Signature 

For oFFice Use only:

Date

Date

Interest Rates and Interest Charges

Credit Disclosures

Annual Percentage Rate 
(APR) for Purchases

APR for Balance Transfer

APR for Cash Advances

Penalty APR and          
When it Applies

How to Avoid Paying 
Interest

VisA Platinum 
rewards
9.9%–16.9%
depending on 
credit history
9.9%–16.9%
depending on 
credit history
9.9%–16.9%
depending on 
credit history

Mastercard®

8.9%–15.9%
depending on 
credit history
8.9%–15.9%
depending on 
credit history
8.9%–15.9%
depending on 
credit history

No Penalty APR

Your due date is at least 25 days after 
the close of each billing cycle. We will 
not charge you interest on purchases 
if you pay your entire balance by the 
due date each month. We will begin 
charging interest on cash advances 
and balance transfers on the
transaction date.

Gross Annual Income* 

Mother’s Maiden Name (required)

With this payment choice: (choose one)

%

Minimum Interest Charge

None

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

Fees

set UP And                
MAintenAnce Fees:
Annual Fee

trAnsAction Fees:

•	 Balance Transfer

•	 Cash Advance

•	 Foreign Transaction

PenAlty Fees:

•	 Late Payment

•	 Returned Item

To learn more about factors to consider 
when applying for or using a credit 
card, visit the website of the Consumer 
Financial Protection Bureau at http://
www.consumerfinance.gov/learnmore

None

$5.00

$5.00

1%

up to $25.00 after payment is 10 
days late

$25.00 per returned item

how we will cAlcUlAte yoUr bAlAnce: We use a method called 
“average daily balance (including new purchases)”. Contact Keesler Federal 
for details.

The information about the costs of the card described is accurate as of 
6/1/2014 and may have changed after this date. For more information,       
call 1-888-533-7537 extension 6420, or visit our web site at www.kfcu.org.

Account Terms & Conditions

I authorize the credit union to obtain credit reports in 
connection with this application for credit and for any updates 
or renewal of  the credit received. I am aware that I may cancel 
my automatic payment option at any time with written notice by 
writing to Keesler Federal Card Services Department, P.O. Box 
7001, Biloxi, MS 39534-7001. I understand that there are fees 
associated with convenience checks. I agree to be bound by the 
terms and conditions that will be mailed to me at the time the 
account is opened. Use of the card will constitute acceptance of 
all terms and conditions.

Pledge of Shares For Credit Cards

By submitting this application, you grant us a security interest 
in all deposit accounts with us to secure your credit card 
agreement. You authorize us to apply the balance in these 
accounts to any amounts due under these agreements if 
you should default. You authorize us to apply any balance in 
your account at the time of default to pay any amounts due 
under these agreements. Shares and deposits in an Individual 
Retirement Account and any other account that would lose 
special tax treatment under state or federal law if given as a 
security are not subject to the security interest you have given  
in your shares and deposits.  

US: 1-888-KEESLER (533-7537)

UK: 0-800-585-765

www.kfcu.org

* Income from alimony, child support, or separate maintenance payments need not

   be revealed if you do not choose to have it considered as a basis for repayment.

Credit Limit ___________     # of Cards  ___________    Date__________

Loan Officer ___________   Approved:  ___ Yes  ___ No    ECOA _________ 

billing rights: Information on your rights to dispute transactions and how 
to exercise those rights is provided in the Credit Card Line of Credit Agreement 
and Disclosures that will be sent with your new card.

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Blue MetallicDefenderColor SplashEagleFleur de Lis  
Credit Disclosures

Account Terms & Conditions

The information about the costs of the card described is accurate as of 6/1/2014 and 
may have changed after this date. For more information, call 1-888-533-7537 extension 
6420, or visit  our web site at www.kfcu.org.

Interest Rates and Interest Charges
Annual Percentage Rate 
12.9% APR
(APR) for Purchases
APR for Balance Transfer 12.9% APR
12.9% APR
APR for Cash Advances

Penalty APR and          
When it Applies

No Penalty APR

How to Avoid Paying 
Interest

Your due date is at least 25 days after 
the close of each billing cycle. We will 
not charge you interest on purchase 
if you pay your entire balance by the 
due date each month. We will begin 
charging interest on cash advances 
and balance transfers on the
transaction date.

Minimum Interest Charge

None

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors to consider 
when applying for or using a credit 
card, visit the website of the Consumer 
Financial Protection Bureau at http://
www.consumerfinance.gov/learnmore

Fees

SET UP AND                
MAINTENANCE FEES:
Annual Fee

TRANSACTION FEES:

• Balance Transfer

• Cash Advance

• Foreign Transaction

PENALTY FEES:

• Late Payment

• Returned Item

None

$5.00

$5.00

1%

up to $25.00

up to $25.00

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called “average daily balance 
(including new purchases)”. Contact KFCU for details.

BILLING RIGHTS: Information on your rights to dispute transactions and how to exercise those 
rights is provided in the Credit Card Line of Credit Agreement and Disclosures that will be sent 
with your new card.

I authorize the credit union to obtain credit reports in connection 
with this application for credit and for any updates or renewal of  
the credit received. I am aware that I may cancel my automatic 
payment option at any time with written notice by writing to 
KFCU Card Services Department, P.O. Box 7001, Biloxi, MS 
39534-7001. I understand that there are fees associated with 
convenience checks. I agree to be bound by the terms and 
conditions that will be mailed to me at the time the account is 
opened. Use of the card will constitute acceptance of all terms 
and conditions.

Pledge of Shares For Credit Cards

By submitting this application, you grant us a security interest 
in all deposit accounts with us to secure your credit card 
agreement. You authorize us to apply the balance in these 
accounts to any amounts due under these agreements if 
you should default. You authorize us to apply any balance in 
your account at the time of default to pay any amounts due 
under these agreements. Shares and deposits in an Individual 
Retirement Account and any other account that would lose 
special tax treatment under state or federal law if given as a 
security are not subject to the security interest you have given  in 
your shares and deposits.  

US: 1-888-KEESLER (533-7537)

UK: 0-800-585-765

www.kfcu.org

Federally Insured by NCUA

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