Credit Card

Forest Area Federal Credit Union (FAFCU) offers a convenient VISA credit card to meet your everyday needs. 

With low APR and transfer rates, and cash back bonus, the VISA Credit Card from Forest area is the best of both worlds.  Enjoy multiple benefits, all in one card! Whether you are looking to earn rewards on everyday purchases or build credit, we’ve got you covered. VISA credit cards are accepted virtually worldwide and a FAFCU VISA provides you with 24/7 access to all of your account information. 

0 %
intro APR* for purchases
0 %
cash back**
$ 10
Transfer Fee
*APR Annual Percentage Rate, based on credit worthiness.  **Cash back in the form of points.

No annual, balance transfer, or cash advance fees

Access to your FICO® Credit Score​

Card Control New Fraud Protection

Earn up to 1 ScoreCard Rewards Bonus point for every $1 spent

Screenshot of Card Controls App screen on mobile
Getting Started
To get started, download the It’sMe24/7 mobile app today.

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

1.90% Introductory APR for a period of six (6) billing cycles from date of account opening. After the intro APR expires, your APR will be 9.90% – 13.90% based on your creditworthiness obtained through Transunion.

APR for Balance Transfers

1.90% Introductory APR for a period of six (6) billing cycles from date of first transfer or transfers under this offer. After the intro APR expires, your APR will be 9.90% – 13.90% based on your creditworthiness obtained through Transunion.

APR for Cash Advances

9.90% – 13.90%
Based on your creditworthiness obtained through Transunion.

Penalty APR and When it Applies

16.90% This APR may be applies to your account if you make a late payment 60 days late.
How long will the Penalty APR Apply?
If your APRs are increased for these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 28 days after the close of each billing cycle. We will not charge you any 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.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov.

FEES

Annual Fee

None

Transaction Fees

– Balance Transfer
– Cash Advance
– Foreign Transaction

None
None
2.00% of each multiple currency transaction in U.S. Dollars
1.00% of each single currency transaction in U.S. Dollars

Penalty Fees

– Late Payment Fee
– Returned Payment Fee

Up to $25.00
Up to $27.00

How We Will Calculate Your Balance: We use a method called “Average daily balance (including new purchases)” See your Credit Card Agreement and Disclosures for more details.

Classic VISA-Loss of Introductory APR: We may end your introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Platinum VISA-Loss of Introductory APR: We may end your introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.

Effective Date: The information about the costs of the card described in this application is accurate as of October 1, 2019. The information may have changed after that date. To find out what may have changed, contact the Credit Union at (213) 879-4154, or write to us at 638 Boyd St., P.O. Box 118, Fife Lake, MI 49633.

Other Disclosures:

Document Copy Fee: $2.00 (per document)
Statement Copy Fee: $2.00 (per document)
Rush Fee: $35.00
Card Replacement Fee: $10.00

 

Not a Member?

We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.

Discover our secure checking and saving accounts and excellent customer service. Apply to be a member today!

For our current interest rates, please visit our rates page. You must be at least 18 to apply for a credit card. For additional information about our credit card program, please contact us or read our Visa agreement.