Debit & Credit Cards
Debit Cards
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No annual fee
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Access to over 30,000 fee-free ATM's (2)
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Available on both checking and savings accounts
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Card Control New Fraud Prevention
Debit Cards
Forest Area Federal Credit Union (FAFCU) offers a Visa debit card at no cost to members. Thanks to our instant-issue technology, you'll have your new card in hand when you walk out our doors.
Visa debit cards offer many benefits, but here are a few:
- Cutting-edge security to prevent fraud
- Tokenization, so you'll be able to add your card to digital wallets, like Apple Wallet and Google Pay.
- Contactless, which means you'll be able to make touchless payments.
FAFCU's Debit Card Round up can assist members by automatically "rounding-up" debit card purchase (attached to Share Draft Account only) and depositing the funds into a designated Share or Christmas Club.
When a Debit Card purchase is made, FAFCU rounds up the transaction to the nearest dollar, and the increased amount is then transferred to a designated account. The round up process is not posted immediately, on a per-transaction basis. Instead, a daily process will calculate the round up amount for all Debit Card transactions posted that night.
The Card Control function, located within the FAFCU mobile app will allow you to lock and unlck your card(s) at any time. You'll also be able to view recent transactions; receive alerts any time the card is used, and if necessary, report a card lost or stolen with the touch of a button.
To access the feature and enroll your FAFCU cards, log into the FAFCU mobile app, select "more" in the lower right corner and then "Manage my Card."
Your security is important to us. that's why we've made it easy to manage your card if you suspect unusual activity. Follow these steps and visit a FAFCU branch near you to take the necessary steps to secure your account.
Mobile app
You can now easily manage your card activity and security from our mobile app. Temporarily lock your card or report your card as lost or stolen by downloading our mobile app. To lock or report your card follow these steps:
1) Download our mobile app on Apple or Download our app on Android
2) Login to your account
3) Go to the more tab, then click manage my cards under member services
4) Click on the card you would like to manage
5) Under actions, click temporarily lock or report lost or stolen
Phone
For lost/stolen debit cards inside of the U.S. call 888.241.2510 and 727.227.9012 if outside the U.S. For cardholder services during business hours call 231.879.4154
Credit Cards
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No annual, balance transfer, or cash advance fees
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Access to your FICO®Credit Score
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Card Control New Fraud Protection
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Earn up to 1 ScoreCard Rewards Bonus point for every $1 spent
Credit Cards
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 FAFCU 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.
1.9
intro APR* for purchases
1
cash back**
0
Transfer Fee
*APR Annual Percentage Rate, based on credit worthiness. **Cash back in the form of points.
| 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 credit worthiness obtained through Transunion. |
| APR for Balance Transfers | 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 applied to your account if you make a payment 60 days late. |
| 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 |
| Annual Fee | None |
| Transaction Fees |
- Balance Transfer NONE - Cash Advance NONE - Foreign Transaction 2.00% of each multiple currency transaction in U.S Dollars, or 1.00% of each single currency transaction in U.S Dollars |
| Penalty Fees |
- Late Payment Fee Up to $25.00 - Returned Payment Fee Up to $27.00 |
Every FAFCU VISA Credit Card is automatically enrolled in the free scorecard rewards program.
New cards can receive $50 cash back after their first purchase redeemable through ScoreCard Rewards!
You'll earn valuable bonus points when making qualifying purchases with your FAFCU VISA Credit Card. Points can be redeemed for gifts, travel, and more! ScoreCard Rewards has a robust catalog of name brand items and online ordering is easy.
Create an account or login to redeem points towards travel or merchandise at ScoreCardRewards.com
The Card Control function, located within the It'sMe24/7 mobile app will allow you to Lock and Unlock your card(s) at any time; View recent transactions, receive alerts any time the card is used based on your settings; and if necessary, report a card lost or stolen with the touch of a button.
To access the feature and enroll your FAFCU cards, log into the It'sMe24/7 mobile app, select "more" in the lower right corner and then "Manage my Cards."
Are you a young adult looking to build credit? Or an adult looking to repair your credit? This program might be for you.
Get a jumpstart on your credit and future by following the FAFCU Credit Builder 1-year Program. After meeting the initial membership requiremnets, you will be required to open a Share Account and overdraft line of credit. After 6 months, you can apply for a Visa credit card, and once approved, you will be required to open a CD secured loan for $1,000 for 12 months. If you make all your payments and the secured loan is paid in full, then you will be able to use the funds as a down payment on a qualifying used vehicle loan.
Your security is important to us. That's why we've made it easy to manage your card if you suspect unusual activity. Follow these steps and visit a FAFCU breanch near you to take the necessary steps to secure your account.
Mobile App
You can now easily manage your card activity and security from our mobile app. Temporarily lock your card or report your card as lost or stolen by downloading our mobile app. To lock or report your card follow these steps:
1) Download our mobile app on the App store or Download our mobile app on Google Play
2) Login to your account
3) Go to the more tab, then click manage my cards under member services
4) Click on the card you would like to manage
5) Under actions, click temporarily lock or report lost or stolen
Phone
For lost/stolen VISA credit cards inside of the U.S call 888.241.2510 and 727.227.9012 outside the U.S. For cardholder services during business hours call 231-879-41
How We Will Calculate Your Balance: We use a method called "Average daily balance (inlcuding 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
Digital Wallets
Need help adding your card to your digital wallet?
Check out these FAQs:
Apple Pay
Google Pay
Samsung Pay
Not a Member?
We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.
Discover our mobile banking convenience and secure debit and credit cards. Apply to be a member today!