Audubon Federal Credit Union Visa Credit Card

If you are a recent graduate or college student wanting to start building your credit, this is a great way to start. Our loan officers can open your card with a minimum of $500.00 to start.
If you currently have a credit card with a much higher interest rate, come see us about a consolidation loan first and then we'll talk about getting you our lower rate Visa Card.
HOW TO AVOID PAYING INTEREST ON PURCHASES: Your due date is at least 25 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.
FOREIGN TRANSACTION FEES: 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transactions in U.S dollars
PENALTY FEES: Late Payment Fee and Returned Payment Fee - Up to $25.00
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called "average daily balance (including new purchases)."
EFFECTIVE DATE: The information about the costs of the card described in this application is accurate as of December 1, 2014. This information may have changed after that date. To find out what may have changed contact the Credit Union.
OTHER DISCLOSURES: Late Payment Fee - $25.00 or the amount required minimum payment, whichever is less, if you are 60 or more days late in making a payment. Returned Payment Fee - $25.00 or the amount of the required minimum payment, whichever is less. Card Replacement Fee - $5.00
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 http://www.consumerfinance.gov/learnmore.
Visa Prepaid Gift Cards

Looking for the perfect gift? Anniversary, Baby Shower, Birthday, Christmas, Graduation, Hidden in an Easter Egg, House warming gift, Wedding. You name it, it works!
Visa Gift Cards are available at our office for only $2.00 per card. It can be used most anywhere a Visa debit or credit card can be used.
AFCU Visa Gift Cards are available in any amount between $20 and $500.
Note: Cards cannot be used at ATMs, hotels, car rental or pay-at-the-pump gasoline transactions. If card is not used for 12 consecutive months, the 13th month a $5.00 fee will be deducted. If the card is lost or stolen a $10.00 replacement fee is required.To close the card with cash out requires a $10.00 fee.
Third Party fees may apply except where prohibited by law, this Card is valid through the expiration date shown on the front of the Card or until the Funds' balance reaches zero. The expiration date for the underlying Funds is 5 years after the date the Funds are loaded or the Card expiration date, whichever is later.
- www.consumercardaccess.com/main/cugift2/Home
- Cardholder Customer Service: 1-866-833-2370
Reloadable Visa Travel Money Card

If your sending your child away to college, camp, etc... You can add money to it whenever they need. Unlike cash, if they lose it, shutting it down is only a phone call away. The balance can be placed on a new card.
Online Shopping, Great, the funds aren't attached to your checking or savings account. The only accessible funds are what you have on the card.
Vacation, again, it is Great. Cash can be lost, the pre-paid card can be shut down and the funds moved to a second card. ( One your spouse, significant other has or just an extra one you purchased to be on-the-safe-side)
Pre-paid Visa cards are $6.00 each with a minimum of $100.00 to a maximum of $5,000.
USING YOUR CARD: If you transfer funds from your account to place on your card at www.CUMONEY.com or by calling 1-877-850-9650 there is a 3 to 5 day hold on funds transferred. For merchant PIN Transactions you may make twenty -five (25) transactions per day with a $2,500.00 daily maximum or Your Funds Balance, whichever is less. For merchant signature purchases, You may make 25 transactions per day with a daily maximum of $5,000.00 or Your Funds Balance, whichever is less. You may request 2 cash advances per day, with a maximum $1,000.00 daily limit.
FEES: Please see the Services Credit Union Prepaid Visa Travelmoney Card Agreement form included in the envelope with your card for: International Transaction Fees. Domestic and International ATM fees. Funding Fee, Denied Transaction Fee, Inactivity Fee, Closed, Lost or Stolen Card Replacement Fee and Expedited Delivery Fee, Cash Out Fee, VRU Usage, Negative Balance Fee
CUSTOMER SERVICE: To check Your Funds Balance or review recent transactions, You may visit www.CUMONEY.com. You may call toll-free 877-850-9650 24 hours a day, 7 days a week.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Telephone us at 877-850-9650 as soon as You can, If You think your receipt is wrong or an error has occurred involving a transaction amount, or You need more information about a transaction. We must hear from You in no less than 60 days after You learn of the error.