Must be an RFCU member to obtain a loan. Must be eligible for membership and open a share savings account to join RFCU. $5 minimum balance is required to open and be maintained in share savings account at all times. All annual percentage rates (APRs) are based on creditworthiness at account opening. Variable APRs vary with U.S. Prime Rate. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. Must have online banking and PIN/password to access online application.
Must have online banking and PIN/password to access online application.
1As of March 1, 2020, the annual percentage rates (APR) for variable rate products are as low as XX - 13.00% (Visa Signature), as low as XX - 12.00% (Visa Traditional), and as low as XX (Visa Traditional Share Secured). Variable APRs will vary with the U.S. Prime Rate. The Visa Traditional (Fixed) APR is XX and is fixed for the term of the loan.
2You will receive 10,000 MyChoice Rewards bonus points when you spend $3000. To qualify and receive the bonus MyChoice Rewards points, you must charge the qualifying amount or more in purchases (minus returns, credits and adjustments) within the first 90 days from account opening (promotional period), using your Redstone Visa Signature credit card. The bonus MyChoice Rewards points do not apply to balance transfers, credit card checks, or overdrafts. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus MyChoice Rewards points fulfillment. Allow 45 days after promotional period has ended for bonus MyChoice Rewards points to post to your account.
Promotional offers are included in the calculation. Redstone Federal Credit Union reserves the right to disqualify any cardholder from participation in the program and invalidate all points for abuse, fraud, or any violation of the terms and conditions of the program. Additional terms and conditions may be imposed by participating merchants when redeeming points. Log in to online banking for more information about the rewards program. The MyChoice Rewards program does not affect the terms and conditions of your Credit Card Agreement with Redstone Federal Credit Union.
3Redstone's MyChoice Rewards Program: Visa Signature credit cardholders will earn points for qualified transactions made using their rewards card. Earn one (1) point for every one (1) dollar charged to the enrolled card. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to the participating card during each day by the cardholder. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated. Expiration of points does apply. To be eligible to receive points, the credit card account must remain open. Balance transfers and cash advances do not qualify. Points are non-transferable from one Redstone credit card account to another, except for lost and/or stolen credit cards. Promotional offers are included in the calculation. Redstone Federal Credit Union reserves the right to disqualify any cardholder from participation in the program and invalidate all points for abuse, fraud, or any violation of the terms and conditions of the program. Additional terms and conditions may be imposed by participating merchants when redeeming points. Log into online banking for more information about the rewards program. The MyChoice Rewards program does not affect the terms and conditions of your Credit Card Agreement with Redstone Federal Credit Union.
4Visa Signature:
IMPORTANT INFORMATION ABOUT THE BALANCE TRANSFER OFFER
Promotional Period for Introductory APR – Visa Signature:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on a Redstone Federal Credit Union loan or credit card account are not eligible for the Introductory APR for balance transfers.
Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offer for Visa Signature: Balance Transfer 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable APR for any remaining balances. Cardholders may accrue finance charges at the standard variable rate for Balance Transfers posted to the account after 30 days of an account opening date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.
5Visa Traditional Variable, Visa Traditional Secured, Visa Traditional Non-Variable:
IMPORTANT INFORMATION ABOUT THE PURCHASE AND BALANCE TRANSFER INTRODUCTORY OFFERS
Promotional Period for Introductory APR – Visa Traditional Variable, Visa Traditional Secure, Visa Traditional Non-variable:
The Introductory APR for purchases will apply to transactions posted to your account during the first six months following the opening of your account.
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on Redstone Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR on balance transfers.
Important Information about ‘Grace Period’ for the Introductory Offers Purchase 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Purchases made throughout the six-month promotional period from the date of account opening. After the promotional period, finance charges will begin to accrue at the then standard variable or fixed APR for any remaining balances for Purchases.
6Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Refer to Visa's Guide to Benefits for more details. Redstone Federal Credit Union and Visa USA are separate entities. Redstone does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA.
7Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions and PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.
Redstone Discounts! and Visa Discounts® are provided by participating merchants. Must use an RFCU Visa debit or credit card to receive Visa Discounts or any RFCU debit or credit card to receive Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.
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