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Debit and Credit Cards

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 or Click Here to access the Debit Card Application.
  • Report card lost/stolen 1-800-682-6075 or www.reportmycards.com
  • Activate card 1-800-411-6390 or www.activatemycards.com
  • To select PIN 1-877-746-6746

Debit Card Holders – Important Information!

CGFCU is transitioning to the EMV Chip Visa®, a safer and smarter debit card that offers a new layer of protection against fraud. You should receive your new card(s) during the first week of August 2016. The card(s) will come to you in a PLAIN WHITE ENVELOPE for security purposes. You will also receive a new Personal Identification Number (PIN) in a separate mailing after you receive your new card.

Activate Before September 30, 2016
Please make sure you activate your new EMV Visa® debit card no later than September 29, 2016. VISA debit cards will be deactivated on September 30, 2016.

Enhanced Security
Your new debit card features advanced EMV Chip technology. This new chip-based technology provides an enhanced layer of security to your transactions, and makes your new chip card extremely difficult to counterfeit.

Card Still Accepted at Non-EMV Terminals
In addition to the embedded microchip, CGFCU cards also have a magnetic stripe on the back. This way you can continue to make purchases at merchants who do not yet have EMV card terminals by swiping your debit card and signing a receipt.

Frequently Asked Questions about EMV Cards

Q: What is an EMV smart chip debit card?

EMV, which stands for Europay, Mastercard and Visa, is a global standard for credit and debit payment cards using embedded microchips. CGFCU’s EMV debit cards will have an embedded microchip that allows you to pay at chip enabled terminals. Plus, it provides improved security and protection against fraud.

In addition to the embedded microchip, CGFCU cards also have a magnetic stripe on the back. That way you can continue to make purchases at merchants that have not yet upgraded to EMV terminals by swiping your card and signing a receipt.

Q: Why is CGFCU switching to EMV smart chip debit cards?

Replacing magnetic-stripe-only cards with our new cards that enables both magnetic-stripe and chip-enhanced payments is one way we can help simplify your purchase experience as technology continues to change.

Q: What are the security benefits of the new EMV smart chip debit cards?

The embedded microchip provides unique data specific to your card and the transaction being processed every time you use it at chip-enabled ATMs or terminals. So, you are better protected from financial criminals.

Q: Do I need to get a metal wallet to secure my EMV card?

No. All of CGFCU’s smart chip EMV cards are “contact only cards” and cannot be scanned from a distance. The metal card wallets advertised on TV are not needed to protect your card.

Q: Are there any additional fees associated with the EMV chip-enhanced cards?

No additional fees apply to CGFCU’s new EMV cards.

Q: How do I make a transaction with my new card?

At merchants with EMV terminals and if you are traveling internationally, you can rest assured that using a chip-enhanced terminal is simple. At restaurants, a portable terminal may be brought to your table, and the process will be the same as during a store checkout, as described below.

To make a transaction, just follow these easy steps:

  1. Insert your card into the terminal with the chip facing up and leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed.
  2. Follow the prompts on the terminal’s screen.You may be required to enter your PIN or sign the sales receipt to complete your purchase.
  3. When your transaction is complete, always remember to remove your card.

VISA® Consumer Credit Card

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you!

Visa® Platinum Card

Visa® Platinum Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Reward
Cash Rewards American Express® Card

Cash Rewards American Express® Card

  • 3% cash back1 on the first $6,000 in eligible net purchases made
    each year at gas stations2,4
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3
Visa® Real Rewards Card

Visa® Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase3
Premier Rewards American Express® Card

Premier Rewards American Express® Card

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.3
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✔®7
Visa® College Real Rewards Card

Visa® College Real Rewards Card

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
Visa® Secured Card

Visa® Secured Card

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here’s a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Premier Rewards Card Points: You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

VISA® Business Credit Card

Our Visa Business credit cards come with a variety of important features including award – winning expense management tools, free employee cards, and added security benefits.

Visa® Business Cash Card

Visa® Business Cash Card

  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3
Visa® Business Real Rewards Card

Visa® Business Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • 2,500 bonus rewards points awarded after first purchase3
Visa® Business Rewards PLUS Card

Visa® Business Rewards PLUS Card

  • Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months3
  • No cap or limit on the total cash back you can earn, and you have five years to redeem for rewards4
Visa® Business Platinum Card

Visa® Business Platinum Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Reward

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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