66 Federal Credit Union credit cards are a good value. Choose a Platinum VISA® with a credit limit of $5,000 or above, or a Classic VISA with a credit limit of less than $5,000. With approved credit.
24-hour Voice Service for Credit Card Holders. Call (800) 449-7728.
If you are traveling outside the U.S. and your card is lost or stolen, call collect (410) 581-9994.
For Account Services using eBranch, you can always:
- •Check your limit.
- •See your last payment.
- •See your available balance.
- •Check your account balance.
- •See your next payment date and minimum payment due.
- •View your credit card or debit card statements.
- •Pay your bill.
- •Check recent transactions, including the names of specific retailers.
- •Determine your available credit.
- •See the number of CURewards™ points you have accumulated.
Voice Service Includes:
- •Check Account Balance
- •Check on Last Payment
- • Request Replacement Card
- • Request PIN Reissue
- • Change Address
- • Change Phone Number
| |
Platinum VISA* |
Classic VISA* |
| Variable Annual Percentage Rate (APR) for purchases and/or cash advances** |
10.25% 
|
10.25%
|
| Credit Limit |
$5,000 or more |
Less than $5,000 |
| Annual Fee |
None |
$15 |
| Late Fee (5 days deliquent) |
$25 |
$25 |
| Overlimit Fee |
$25 |
$25 |
| Returned Check Fee |
$25 |
$25 |
| Free VISA Checks |
Yes |
Yes |
| Transaction Fee |
None |
None |
| 25-day Grace Period |
You have 25 days to repay your balance before a finance charge on purchases is imposed. Cash advance transactions accrue finance charges upon posting to account. |
| Variable Rate |
Subject to change quarterly. The rate is based upon the Credit Union's Consumer Rate Index (CRI) plus four (4) percentage points. The APR for new and existing balances may change the first day of January, April, July and October. |
| Cash Advance or Balance Transfer Fee |
1%. Finance charges will begin accruing upon posting to account. |
| Minimum Payment |
If balance is less than $15, that will be your Minimum Payment. If your balance is over $15, your Minimum Monthly Payment will be the greater of $15 or the total of (1) 2% of the New Balance, plus (2) any amount past due, plus (3) if we so elect, any amount over your credit line at the time of billing. |
| Method of Calculation |
Finance Charges are calculated on the average daily balances of Purchases and Cash Advances in the account. The principal balances of Purchases and Cash Advances are determined each day during the statement period, beginning with the principal portion of your previous balances, reduced by payments you make and debit adjustments we make during the statement period. The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate average daily principal balances for Purchases and Cash Advances to which the periodic rate is then applied. |
| CURewards™ Points |
Yes, 1/$1 in signature purchases |
No |
*Variable rates subject to change quarterly. With approved credit.