Evansville Federal Credit union offers Visa Classic and Visa Platinum credit cards at low Annual Percentage Rates. Check the appropriate box below and apply now to get your credit union Visa credit card.
I understand that if I do not qualify for the Visa selected above, I will be notified if I was approved for another Visa option or was disapproved for both.
The income or assets of a person other than the “Borrower” (including the Borrower’s spouse) will be used as a basis for qualification
The income or assets of the Borrower’s spouse will not be used as a basis for qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
Rate and Interest Charges
Percentage Rate (APR) for Purchases
on your creditworthiness.
for Balance Transfers
for Cash Advances
to Avoid Paying Interest on Purchases
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.
for Additional Information
learn more about factors to consider when applying for or using a
credit card, visit the website of the Federal Reserve Board at
and Set-up Fees
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.
up to 1%
to $20 assessed five (5) days after due date.
Center Phone Payment Fee
(for lost cards only)
view the full disclosure as a PDF, click here.
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.
We Will Calculate Your Balance:
We use a method called “average daily balance (including
current transactions).” See your account agreement for more
of Balance Transfer APR:
We may end your Balance Transfer APR if you make a late payment.
Information on your rights to dispute transactions and how to
exercise those rights is provided in your account agreement.
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.
Separate finance charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily balances for purchases and cash advances. Each average daily balance is determined by taking the beginning balance (of cash advances or purchases) of your account each day, adding any new purchases or cash advances (whichever is applicable) and subtracting any payments or credits. The results are the daily balances. All the daily balances for the statement cycle are added and the total is divided by the number of days in the statement cycle to arrive at the average daily balance for the cycle. Cash advances are always subject to FINANCE CHARGE from the date they are posted to your account.
If a grace period applies:
Purchases. A Finance Charge will be imposed on Purchases posted during a Billing Cycle when the Previous Balance is not paid in full within the first 25 days of the Billing Cycle. A finance Charge will also be imposed on Purchases included in the New Balance when the New Balance is not paid in full within 25 days after the Closing Date.
Cash Advances. A Finance Charge will be imposed on Cash Advances from the date of the transaction to the date paid. The Finance Charge accrued on Cash Advances between the Closing Date of the Billing Cycle and the date your Account is credited will appear on your next statement. There is no time period within which to pay to avoid the Finance Charge.
Upon approval, I wish to transfer my present balance on the credit card account(s) listed below to my new credit card account.