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Fremont Federal Credit Union Go to main content

Online Banking

VISA Credit Cards

Fremont Federal Credit Union has plastics you can use to pay for something now from your checking account and plastics to pay for something later. Our plastics make your life easier and more convenient!

Credit cards are everywhere and accepted by virtually everyone. Today, credit cards are sold by everyone, too! Don’t get fooled by the big card companies with their slick marketing and introductory rates. Our cards are easy to understand and we’re here, in person, if you have a question.

Regular Visa or MasterCard

Fixed interest rate of 13.92% APR*.  A great "starter" card for students, those new to credit or rebuilding credit.

Platinum Visa

Fixed interest rate as low as 9.99% APR* (Based on credit qualifications).  Perfect for those with larger credit line needs and established credit.

Features of both cards:

  • No annual fees
  • No cash advance fees
  • No balance transfer fees
  • No hidden rate increases
  • No over limit fees
  • Protection with Verified by Visa
  • The convenience of local service from FFCU employees
  • Make payments through payroll deduction, Online Banking, Mobile Banking, online at EZCardInfo.com, at any of our teller windows or by mail

Payments can be made right up until the due date at any of our teller windows. Simple, convenient and practical!

Stop into any Fremont Federal Credit Union branch to get approved for a VISA or a MasterCard today! Upon approval and you receive your FFCU Credit Card in the mail, call 1-800-543-5073 to activate.

To change your Fremont Federal Credit Union Visa or MasterCard PIN# call 1-866-297-3408.

To report you Fremont Federal Credit Union Visa or MasterCard Lost/Stolen call 1-800-237-6211 or 1-800-299-9842.

To place a dispute or report any fraudulent transactions on your Fremont Federal Credit Union Visa or MasterCard call 1-800-299-9842.

+ Please see Terms and Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Credit Card Agreement and applicable law.
* APR = Annual Percentage Rate

In accordance with the Credit Card Act of 2009, borrowers applying for a credit card under the age of 21 must either show proof of "ability to pay" or have a qualified cosigner over 21 years of age.

Account Information

EZCardInfoLook up your credit card information with eZCardInfo. eZCardInfo provides a snapshot of your account balance, available credit, payment information, and transaction detail. You can access the eZCardinfo site by logging onto your online banking.

VISA Disclaimer

VISA® Platinum Credit Card

APR for Purchases: 9.99% APR** 10.99% APR** 11.99% APR**
APR for Balance Transfers: 9.99% 10.99% 11.99%
APR for Cash Advances: 9.99% 10.99% 11.99%
Grace Period: 25 Days 25 Days 25 Days
**APR: Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Call us at 419-334-4434 for current rates, terms and conditions.
For Credit Card Tips from the CFPB: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/learnmore
 
Annual Fee: None None None
Transaction Fees:
Foreign Transaction

1% of each multiple currency transaction in U.S. Dollars. 0.80% of each single currency transaction in U.S. Dollars
Penalty Fees:
Late Payment
Returned Check Fee
Over limit Fee

May be up to $39
May be up to $25
None

May be up to $39
May be up to $25
None

May be up to $39
May be up to $25
None

 

VISA® Classic Credit Card

APR for Purchases: 13.92% APR**
APR for Balance Transfers: 13.92%
APR for Cash Advances: 13.92%
Grace Period: 25 Days
*APR: Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Call us at 419-334-4434 for current rates, terms and conditions.
For Credit Card Tips from the CFPB: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/learnmore
 
Annual Fee: None
Transaction Fees:
Foreign Transaction

Up to 2% of each currency transaction in U.S. Dollars
Penalty Fees:
Late Payment
Returned Check Fee
Over limit Fee

May be up to $39
May be up to $25
None

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address listed on your statement.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.


Verified by VISAProtect your card from online fraud with Verified by Visa. Your Visa card is now equipped with Verified by Visa – it password protects your card for free. It’s safe and easy. Just activate your card and set up your password while you shop. To learn more, visit Visa.com. Once you activate your card, Verified by Visa protects you at every participating online store – so only you can use your card.


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