Credit Cards

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. 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.

¹Visa Signature:

IMPORTANT INFORMATION ABOUT THE BALANCE TRANSFER OFFER

Balance Transfers Introductory Offer: 0% Annual Percentage Rate will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. The standard variable Balance Transfer APR applies to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable Balance Transfer APR in effect at the time. Rates, Terms, and Conditions are subject to change.

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.

²As of October 1, 2018, the annual percentage rates (APR) for variable rate products are as low as 10.00% - 13.50% Variable (Visa Signature), as low as 9.00% - 12.50% Variable (Visa Traditional), and as low as 13.50% (Visa Traditional Share Secured) and may vary. Variable APRs will vary with the U.S. Prime Rate. The Visa Traditional (Fixed) APR is 18.00% Fixed and is fixed for the term of the loan. 

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 Traditional:

IMPORTANT INFORMATION ABOUT THE PURCHASE AND BALANCE TRANSFER INTRODUCTORY OFFERS

Purchase Introductory APR Offer: 0% Annual Percentage Rate 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.

Balance Transfers Introductory APR Offer: 0% Annual Percentage Rate will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. The standard variable or fixed Balance Transfer APR applies to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable or fixed Balance Transfer APR in effect at the time. Rates, Terms, and Conditions are subject to change.

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.

• 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 or fixed APR(s) for any remaining balances. Cardholders may accrue finance charges at the standard variable or fixed APR(s) 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 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. 

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.

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.