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Non-Variable Rate Visa

That’s right, our credit card rates are no longer variable.


F&A is one of the few financial institutions offering a non-variable rate credit card program. It helps set us apart from the competition and reinforces your wise decision to bank with F&A.

What is a Non-Variable Rate?
Other financial institutions often tie the rates they charge to the Prime Rate, resulting in rates that can fluctuate considerably without any advance notice of the change. Non-variable rates do not change unless our Board of Directors votes to approve a change and then requires a 45-day advance notification before the rate increase could be enacted.

The Pros of a Non-Variable Rate?

  • Your rate is not tied to an external market index subject to change at any time
  • All rate changes are approved by your credit union volunteer Board of Directors
  • Your rate can’t change without 45 days formal notice

So, if you carry a credit card balance, you’re in luck! That’s because all F&A credit cards have low, non-variable rates.

For more information, please call 800-222-1226 or drop by any F&A branch.

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