Evansville Federal Credit Union
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Loans & Credit Cards

Visa® Credit Cards

At Evansville Federal Credit Union, we have two credit card options - an EFCU Classic Visa® and an EFCU Platinum Visa®, both with great benefits and no annual fee!

Interchange Litigation Settlement - Merchant Credit Card Surcharging

Cardholders can visit www.visa.com/checkoutfees for more information on Merchant ability to charge a checkout fee when using a credit card payment method.

  • Annual percentage rate as low as 9.9%*
  • Local servicing by people you know and trust
  • Online access
  • Rental Collision Insurance
  • Accidental Death and Dismemberment Insurance ($100,000 on Classic and $400,000 on Platinum)
  • Plus, added protection features from Visa® and EFCU!

 

 Apply online or call today and speak to a loan officer at 812.424.2621, Option 5.

  

Payment Options

  • Stop by any EFCU branch
  • Call us at 812.424.2621 option 2
  • Call the Credit Union Card Center (CUCC) 24/7 at 800-289-5939 option 5 (must have credit card number, routing number and account number).  If you speak to an MSR you will be charged a $3 fee
  • Register thru our online access 

 

Balance Transfer

Do you have balances on other higher-rate credit cards? You could save yourself hundreds of dollars over time when you switch to one of our EFCU Visa® Credit Cards. Plus, we don't charge any balance transfer fees. Call us today at 812.424.2621, option 5 or click here  to find out how easy it is to save.

 

Visa® Gift Cards

Looking for the perfect gift?  We also have Visa Gift Cards!

 

Lost or Stolen Visa®

To report your Visa card lost or stolen, please call 1-800-289-5939 immediately.

 
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases
Platinum – 9.9%
Classic – 15%
Based on your creditworthiness.
APR for Balance Transfers
Platinum – 9.9%
Classic – 15%
APR for Cash Advances
Platinum – 9.9%
Classic – 15%
How to Avoid Paying Interest on Purchases
You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances.
Minimum Interest Charge
None
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 www.consumerfinance.gov/learnmore.
 
Fees
Maintenance and Set-up Fees
 
 
 
 
Annual Fee
Additional Card Fee
Notice: Some of these set-up and maintenance fees may be assessed before you begin using your card and will reduce the amount of credit you initially have available.
 
None
None
Transaction Fees
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee
 
None
None
None
Penalty Fees
Late Payment Fee
 
Up to $20 assessed five (5) days after due date.
Other Fees
Draft Copy Fee
Replacement Card Fee
Statement Copy Fee
Card Center Phone Payment Fee
 
$3
$5 (for lost cards only)
$2
$3
To view the full disclosure as a PDF, click here.
 
The minimum monthly payment is 3% of your total new balance or the overlimit amount, whichever is greater, but not less than $20 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due the 27th of every month.
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See your account agreement for more details.
 
Loss of Balance Transfer APR: We may end your Balance Transfer APR if you make a late payment.
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 
Information contained in this disclosure is accurate as of 11/1/2010 and is subject to change thereafter. To obtain more recent information, please call us at 1-800-289-5939.
 

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