A G R E E M E N T S 


Visa® 
Credit Card 
Agreement

Visa Credit Card Agreement

Your use of the United Nations Federal Credit Union (UNFCU) 
Visa or Visa Signature credit card is governed by this agreement. 
Therefore, you should read it thoroughly before you sign or use 
the card. All transactions, fees, charges, and payments are due  
in US dollars. Your UNFCU Visa or Visa Signature credit card 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 or Visa Signature 
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 or Visa Signature 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 
or Visa Signature credit card that was sent to you. “Account” 
refers to your Visa credit card account with us.

Responsibility

This agreement becomes effective once you sign, activate, or 
use your UNFCU Visa or Visa Signature credit card. If you do 
not wish to be bound by this agreement, do not use or activate 
the card and contact us immediately to state you do not agree 
with the terms of the agreement and that you wish to close your 
account. 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. Use of 
the account means that you agree to pay all debts and finance 
charges arising from the use of the card 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 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 

Visa Credit Card Agreement | 1

Welcome to United Nations Federal Credit Union (UNFCU). Please read this document carefully  for information regarding your UNFCU  credit cards.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. 

Renewal of Card

For your protection, your Visa or Visa Signature credit card is 
issued with an expiration date. Upon expiration of your Visa  
or Visa Signature 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 or Visa Signature credit card account, not cash.

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Visa Credit Card Agreement | 3

Grace Period

Your grace period for the repayment of purchase balances is 
25 days. You have no grace period for cash advance balances, 
or balance transfers. Balance transfers are processed as cash 
advance transactions. Finance charges accrue beginning on the 
cash advance transaction date.

Skip Pay

You may request to skip a payment to your credit card for a  
given statement cycle’s minimum payment due date due to 
financial hardship. Skipping a credit card payment is optional  
and is not required by UNFCU. This option is available at 
UNFCU’s discretion to members in good standing and there  
is no fee. You may skip up to two payments in a calendar year.  
This option is not available for checking lines of credit, home 
equity loans, home equity lines of credit, and mortgages. 

Should your skip payment request be approved, you acknowledge 
that a payment will not be due for the selected statement’s 
minimum payment due date. Your minimum payment due will 
be $0 for the selected statement cycle. Interest will continue 
to accrue on your credit card balance for the statement cycle 
selected for skip payment. All other terms in your credit card 
agreement remain in effect. You agree to resume payments to your 
credit card for the next statement cycle’s minimum payment due 
date. The use of the Skip Pay option may extend the duration of your 
payments and therefore increase the interest you will need to pay.

Security Interest and Right of Offset

In consideration for UNFCU issuing a Visa or Visa Signature 
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.

Final Entitlements (for all UN or UN agency employees)

In the event that you cease to be employed by the UN or 
a UN agency for any reason whatsoever and you have an 
outstanding balance on a Visa or Visa Signature card you 
hereby acknowledge that pursuant to the UN Staff Rules, your 
employer (i.e. the UN or UN agency) will deduct from your final 
entitlements any money necessary to satisfy any indebtedness 
to UNFCU, including interest and fees. You acknowledge that 
the right to final entitlements has been factored into UNFCU’s 
decision to extend credit to you and authorize UNFCU to apply 
your final entitlements to your UNFCU obligations.  You further 
acknowledge that UNFCU may place a temporary hold on your 
UNFCU account in order to facilitate the collection of your final 
entitlements.  Please note that final entitlements will be collected 
regardless of your payment history.  Should the final entitlements 
be insufficient to repay all monies due to UNFCU, you understand 
that you are responsible for and promise to pay the remaining 
monies due. 

International Transactions

International transactions include any transaction that you make 
in a a currency other than US dollars, 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 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.

Authorizations

We are not responsible for the refusal by a merchant or financial 
institution to honor your card. 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 

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Visa Credit Card Agreement | 5

under this agreement, authorizations of credit for transactions 
may be declined.

Protecting Your Account

We take fraud prevention very seriously and have implemented 
certain fraud detection systems to help protect your UNFCU  
Visa or Visa Signature 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 unfcu.org/fees 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 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, 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, 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, and balance 
transfers accrue from the date the transaction posts to the account. 
There is no grace period for cash advances, or balance transfers.

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Visa Credit Card Agreement | 7

Credit Information

Inquiries or Questions

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. 

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 using one of the numbers listed on 
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).

Personal Identification Number

Additional Payment Information

UNFCU will not automatically mail you a personal identification 
number (PIN) for your card.  When you receive your card, you 
may select your PIN by logging in to Digital Banking and clicking 
on the Reset PIN tile in the Card Management menu. This PIN 
will allow you to make cash withdrawals and purchases at 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 your believe your PIN has been stolen.

Liability for Unauthorized Use 

If your card(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. You can report fraud in Digital 
Banking, or visit unfcu.org/contact to see all the ways you can 
reach us. We may terminate or limit access to your account if 
you have notified us, or we have determined that your card,  
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  
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 and/or PIN may have been lost or stolen, or that there 
may be unauthorized access to your account. 

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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Delay In Enforcing Our Rights

Your Billing 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 and Visa Signature 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.

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:

United Nations Federal Credit Union 
Court Square Place, 24-01 44th Road 
Long Island City, NY 11101, USA  
Attention: Global Cards Solutions

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.

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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.

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 all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing or via email at:

United Nations Federal Credit Union 
Court Square Place, 24-01 44th Road 
Long Island City, NY 11101, USA  
Attention: Global Cards Solutions

email@unfcu.com 

While we investigate, the same rules apply to the disputed 
amount as discussed previously. 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.

Annual Percentage Rate (APR)

For new Visa or Visa Signature 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 current rates and margins, please 
visit unfcu.org/rates. 

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.

Annual Fee 

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.

For Visa Azure and Visa Signature Azure credit card accounts, 
there is no annual fee. For Visa Signature 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 or Visa Signature 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.

2.  You must not yet have fully paid for the purchase.

ATM Safety

Please take appropriate precautions when using ATMs.  
For tips on ATM safety, see your UNFCU Membership and 
Accounts agreement.

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Visa Credit Card Agreement | 13

Priority PassTM Select Use and Limitations

Contact Us

Visa Signature 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 Visa Signature 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 Visa Signature Elite credit card to purchase airline 
tickets, UNFCU will pay for up to five Priority Pass Select visits 
per year, per Visa Signature Elite account. After the first five 
visits, a lounge visit fee of $32.00 per person, per visit will be 
charged to your Visa Signature Elite credit card. Annual membership 
for additional Priority Pass Select cards on your Visa Signature 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 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 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 or Visa Signature credit card. Visa reward points 
are not accumulated for cash 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.

Contact a member service representative for assistance with any 
of your financial requests.

Email 

Send your request to email@unfcu.com.

Telephone

Speak with a member service representative by dialing  
+1 347-686-6000 or call toll free from international locations 
listed on unfcu.org/tollfree.

WebChat

Instantly communicate with a member service representative  
by clicking ‘Start WebChat’ located on unfcu.org/contact.

Fax

+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 Service

Visit UNFCU

Please go to 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
  Kampala, Uganda

  Nairobi, Kenya
  Rome, Italy
  Vienna, Austria

Our representative offices cannot conduct cash transactions. 

14 

Visa Credit Card Agreement | 15

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  |  email@unfcu.com

© 2021 UNFCU and ‘serving the people who serve the world’ are 
registered marks of United Nations Federal Credit Union.  
All rights reserved. 07/2021

G-13915     UNFCU Cardholder Agreement

unfcu.org