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Routing No: 322078383 | NMLSR ID# 421486 | DMV (ELT)# K29

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F&A's Traditional Visa® card offers the ultimate in convenience. Accepted worldwide, with low rates, F&A's Traditional Visa sets the standard. Whether you're going on vacation, making purchases, or simply want the security of a credit line in case of emergency, F&A's Traditional Visa will fit the bill.

  • Rate starts as low as 9.90% APR*
  • Credit lines ranging from $500 up to $10,000

Traveling outside the US? Be sure to check the fraud prevention safeguards we've put in place.

Ready to apply? Login to Online Banking and navigate to Accounts and select Loan Application.

Have questions? Call us at 800-222-1226 or visit one of our branches.

Important disclosure information, please read!

Interest Rates and Interests Charges

Annual Percentage Rate (APR) for Purchases
9.90%-15.90%
APR for Balance Transfers
9.90%-15.90%
APR for Cash Advances
9.90%-15.90%
Penalty APR and When it Applies
None
Paying Interest
Your due date will be at least 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.
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

Annual Fee
None

Transaction Fees

Balance Transfer
None
Cash Advance
None
Foreign Transaction
1% of each transaction in U.S. dollars

Penalty Fees

Late Payment
Up to $20
Returned Payment
Up to $5
Over the Credit Limit
None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.

Loans Quoted are APR (Annual Percentage Rate). Rates and Terms are subject to change without notice.

To apply, log into Online Banking and navigate to Accounts, select Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change.

*The signature of a co-signer who has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Requires a minimum $2,500 monthly income. Other restrictions may apply.

APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.

We help our members reach their financial goals at every life stage by providing access to the highest value products, superior service, and trusted advice.

Daily Maintenance

For your security, F&A Online and Mobile Banking will be updated and unavailable nightly from 10:00 p.m. to 10:10 p.m. We appreciate your understanding.

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