Home Contact Us
Hudson Office
518-828-5216
View Hours
Call Toll Free 800-421-2119
FlexTeller
Online
Banking Sign Up
Learn More
Credit and Debit Cards
 

PLATINUM CGFCU VISA® CARD

  •  Very competitive low interest rates*
  • A NON-VARIABLE rate
  • An interest rate that is the same for purchases and cash advances
  • NO Annual Fee
  • An upgrade to Platinum status
  • No ATM Fee at CGFCU ATM Locations

*Rates based on credit history and credit score.

APPLY FOR YOUR VISA CREDIT CARD TODAY!

Apply in person at our branch, or contact the credit union at 518-828-5216 and ask for our application.

Card Activation Phone #: (800) 411-6390
Lost/Stolen after Hours#  (800) 682-6075

INTEREST RATES AND INTEREST CHARGES

Annual Percentage

Rate (APR) for Purchases

9.9% - 18.0% when you open your account, based on your credit worthiness.

APR for Balance Transfers

9.9% - 18.0% when you open your account, based on your credit worthiness.

APR for Cash Advances

9.9% - 18.0% when you open your account, based on your credit worthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the closed 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.

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.

FEES

Transaction Fees

-          Foreign Transaction Fee

 

1.00% of each multiple currency transaction in U.S. dollars

0.80% of each single currency transaction in U.S. dollars

Penalty Fees
Late Payment Fee
Returned Payment Fee


Up to $20.00
Up to $20.00

OTHER DISCLOSURES

Late Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.

Returned Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less.

Emergency Card Replacement Fee 

At Cost

Card Replacement Fee

At Cost 

Rush Fee

At Cost 

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 above is accurate as of 10/1/2013. This information may have changed after that date. To find out what may have changed, contact the credit union.

 

CGFCU VISA® DEBIT CARD

  • Use like a check, but without the hassle.
  • Access cash at any ATM.
  • Charges are automatically deducted from your account.
  • Accepted everywhere Visa® is accepted.

    APPLY FOR YOUR VISA DEBIT CARD TODAY!
    To apply, contact the credit union for a copy of our member application.
    Click Here to access the Debit Card Application.

Visa® provides clients with the following Visa®/Plus ATM Locator Services:

  • Internet accessible Visa®/Plus Global ATM Locator (www.visa.com)
     
  • New Visa/Plus Mobile ATM Locator (www.visa.com/mobileatm)
     
  • Purchase Security and Extended Protection Programs
 


More Products
Savings
Clubs
Youth Accounts
Checking
Share Certificates
IRAs
Money Markets
Insurance
Holiday Closings