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HOW DO I TRANSFER BALANCES?

Complete the attached Balance Transfer Form.

Important: Balances cannot be transferred without 
complete and accurate information.

How much can I transfer? You may transfer 
balances up to your credit line. If your request(s) 
exceed the amount of your credit line, FCU will fulfill 
your requests in numeric order as listed in your 
response, may decline to process one or more 
requests, and/or may complete one request in a partial 
amount. You will be notified if for any reason we are 
not able to process your balance transfer request.

How long will it take to process my transfer 
request? After your account is opened and you 
receive your card(s), the balance transfer(s) will be 
processed within 30 days.

Important: Please continue to make payments on 
all your existing accounts until you confirm with your 
other issuer that the balance transfer payment was 
made. FCU is not responsible for any service charges 
or late fees which may be assessed on the account(s) 
listed for balance transfer.

How will my transfer(s) be shown on my new 
account? Balance transfers will be posted to your 
new account as an advance.

Important: No advance transaction fee will be 
charged. Balance transfer amounts will accrue finance 
charges from the date we send the transfer amount 
you requested to the other credit card issuer. Balances 
transferred are not subject to a grace period.

Will my accounts be closed after my 
balances are transferred to my FCU 
Business Visa Credit card? No. We will not 
automatically close these accounts for you. You may 
close these accounts by contacting the issuers after 
your balance transfer is completed. Florida Credit 
Union accounts are not eligible.

All residents of your county can join
Florida Credit Union.

43RD STREET BRANCH
2831 NW 43rd Street • Gainesville, FL
(352) 377-4141

13TH STREET ADVANTAGE CENTER
3720 NW 13th Street • Gainesville, FL
(352) 377-4141

BUTLER PLAZA NORTH BRANCH
2803 SW 42nd Street • Gainesville, FL
(352) 377-4141

HAILE MARKET SQUARE BRANCH
2785 SW 91st Street • Gainesville, FL
(352) 377-4141

STARKE BRANCH
2460 Commercial Drive • Starke, FL
(904) 964-1427

NORTH DELAND BRANCH
1735 N. Woodland Boulevard • North DeLand, FL
(386) 738-4717

SILVER SPRINGS ADVANTAGE CENTER
3504 E. Silver Springs Boulevard • Ocala, FL
(352) 237-8222

VISA®
CREDIT 
CARDS

COUNTRY OAKS BRANCH
9680 SW 114th Street • Ocala, FL
(352) 237-8222

MARICAMP BRANCH
10 Bahia Avenue Lane • Ocala, FL
(352) 237-8222

OCALA BRANCH
2424 SW 17th Road • Ocala, FL
(352) 237-8222

LAKE CITY BRANCH
586 W. Duval Street • Lake City, FL
(386) 755-4141

MAILING ADDRESS
P.O. Box 5549 • Gainesville, FL 32627-5549

(800) 284-1144
flcu.org

Federally insured by NCUA

PURCHASING
POWER IN YOUR
POCKET WITH
THE PROTECTION
OF VISA

Rev. 8/17

PAYMENT OPTIONS

Best of all, your new FCU Visa Credit Card gives you 
flexibility on your monthly payments. You can make 
your monthly payment online, by mail or in person at 
any Florida Credit Union branch. Also, choose your 
payment schedule to be made on the 7th or 21st day 
of each month.

Want more flexibility? You can choose to have your 
payment automatically deducted out of your Florida 
Credit Union Checking account each month in one of 
four ways:

1.  Minimum payment* deducted depending on the 

credit balance owed.

2.  Set dollar amount you choose to pay each month, 

as long as it meets the minimum payment.

3.  Pay your entire credit balance in full each month.

4.  Set up for bi-weekly transfers from your FCU 

Checking account.

APPLY TODAY

All you have to do is fill out the attached application 
and drop it by any Florida Credit Union branch or mail 
it, postage paid.

* Minimum monthly payment due is 2% of the balance owed or $20.00, 
whichever is greater.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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VISA® CREDIT CARDS

Florida Credit Union’s value-packed Visa program is a 
great way to make purchases, obtain cash advances, 
or consolidate high-interest rate credit cards. With no 
annual fee and low rates, FCU’s Visa Credit Card is 
among the best in the market.

FCU’s Visa Credit Cards offer:

•  No annual fee on most cards

•  Non-variable rate options

•  EMV chip technology for increased security

•  Credit limits to fit your needs

•  A low monthly minimum payment

•  Transaction Visa Alerts sent via email and/or text

•  Monthly eStatements via FCU’s Online Banking

•  25-day grace period on purchases

•  No-fee cash advance options

•  Online access to view your account history and 

pay balances

•  Extra cards for family members

•  Emergency card replacement

•  Balance transfer opportunity

VERIFIED BY VISA

Protect yourself and your online prurchases with Verified 
by Visa. Using a personal password, Verified by Visa 
allows participating merchants to verify your identity 
before completing an online transaction. It’s safe, 
convenient, and best of all, it’s free.

Verified by Visa:

•  Prevents unauthorized use of your FCU Visa Credit 

Card or Debit Card

•  Reduces the possibility of identity theft

•  Decreases the chances of fraudulent activity on your 

FCU Visa Credit Card account

CHOOSE YOUR CARD DESIGN

Make your card as unique as you are! FCU’s Visa 
programs include endangered species cards (sea turtle, 
manatee, Florida panther), the Visa Wave rewards card, 
and the option to design your own.

Want to make your FCU Visa card one of a kind? You 
can customize it in a few simple steps with your own 
photo—or choose from hundreds of images online. 
Give your card the exclusiveness it deserves!

VISA WAVE CREDIT CARD

Are you stuck with a credit card rewards program that 
doesn’t offer the rewards you’re looking for? If so, 
FCU’s Visa Wave Credit Card rewards program delivers 
perks and benefits few cards can match. The Visa 
Wave Credit Card offers all the features of our other Visa 
cards, plus:

•  Cash back rewards

•  Premium rewards points for merchandise, gift cards 

and travel

CUREWARDS®

Some FCU Visa credit card programs earn CURewards 
points. If you choose one of these programs, there 
is added benefit to using your FCU card for all your 
purchases. Every time you do, you’ll earn CURewards 
points for the dollars you spend. Redeem your points 
for quality gifts such as HDTVs, golf clubs, gifts cards, 
or even travel.

Your monthly statement will report the points you have 
accumulated. Also, look for CURewards gift updates in 
your monthly Florida Credit Union Visa statements or 
go to curewards.com for a complete listing of benefits 
and gifts.

Effective August 1, 2017

Visa Wave

Visa Platinum Rewards

Visa Platinum Rate

Fresh Start Visa

Interest Rates and Interest Charges
Annual Percentage 
Rate (APR) for 
Purchases

13.15% to 17.9% 
when you open your 
account, based on your 
creditworthiness. After 
that, your APR will vary 
based on the Prime Rate.
0% introductory APR
for six (6) months. 
Thereafter, 13.15% to 
17.9% based on your 
creditworthiness. This 
APR will vary based on 
the Prime Rate.
17.9%
None

10.9% to 17.9% 
when you open your 
account, based on your 
creditworthiness.

8.9% to 17.9% 
when you open your 
account, based on your 
creditworthiness.

17.9% when you 
open your account, based 
on your creditworthiness.

10.9% to 17.9% 
when you open your 
account, based on your 
creditworthiness.

8.9% to 17.9% 
when you open your 
account, based on your 
creditworthiness.

17.9% when you 
open your account, based 
on your creditworthiness.

17.9%
None

17.9%
None

17.9%
None

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.
If you are charged interest, the charge will be no less than $1.50.
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

The greater of $50 or
 5% of the amount of 
each transfer
The greater of $20 or
3% of the amount of 
each cash advance
1% of each transaction in 
U.S. Dollars

None

None

None

None

None

None

$100.00

None

None

1% of each transaction in 
U.S. Dollars

1% of each transaction in 
U.S. Dollars

1% of each transaction in 
U.S. Dollars

Up to $35.00
Up to $35.00
Up to $35.00

Up to $35.00
Up to $35.00
Up to $35.00

Up to $35.00
Up to $35.00
Up to $35.00

Up to $35.00
Up to $35.00
Up to $35.00

$25.00
$15.00 (Priority Handling)
$35.00

$25.00
$15.00 (Priority Handling)
$35.00

$25.00
$15.00 (Priority Handling)
$35.00

$25.00
$15.00 (Priority Handling)
$35.00

APR for Balance 
Transfers

APR for Cash Advances

Penalty APR and When 
It Applies
How to Avoid Paying 
Interest on Purchases
Minimum Interest Charge
For Credit Card Tips form 
the Consumer Financial 
Protection Bureau
Fees
Annual Fee
Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction

Penalty Fees
• Late Payment
• Over-the-Credit Limit
• Returned Payment

Other Fees
• Card Replacement
• Rush Mail
•  Balance Consolidation/ 
Convenience Check Stop 
Payment

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Account Agreement for 
more details.
Billing Rights: Information on your rights to dispute transaction and how to exercise those right is provided in your account agreement.
The information about the cost of the card described in this application is accurate as of August 2017. This information may have changes after the date. To 
find out what may have changed, call us at (800) 284-1144.