Clearview Federal Credit Union - Lending Center

Visa^® Credit Cards

We offer you a choice of credit cards with flexibility and options to meet your individual needs. You can apply by calling the Loan Line at 1-877-4-LOAN-40 long distance or (412) 269-3012 in Pittsburgh, clicking here or by visiting your branch office.

Visa Platinum Rewards Card

Reward yourself while managing your finances. Earn points for each dollar you spend on purchases and receive merchandise or travel rewards! Our rewards card offers all the features you would expect from a Platinum Rewards Card Program.

1 bonus point for every $1 spent on purchases¹
No annual fee
25-day grace period on purchases
$1,000,000 travel accident insurance
Emergency cash and card replacement
Auto rental insurance
Competitively low rates. Scroll down to view current rates.

Check out all the great rewards available! Click here or on the CU Rewards icon to redeem your points and to browse the online catalog.

Cash advances and balance transfers are excluded from earning bonus points.

Visa Platinum Card*

Want a low rate card with a substantial credit line? Then our Platinum Card could be a perfect fit for you.

No annual fee
25-day grace period on purchases
$1,000,000 travel accident insurance
Emergency cash and card replacement
Auto rental insurance
Competitively low rates. Scroll down to view current rates.

Student Visa

Our Student Visa Credit Card is designed especially for our members ages 18-24. The maximum credit line is $1,500 and carries the same features as the Visa Platinum. Please note that Student Visa cardholders may need to have a co-signer.

Secured Visa

If you are seeking to establish or re-establish credit in an affordable way, this card is the way to go! Your Credit Union's Secured Credit card program is a much better value than any other secured card programs. It has a $250 or $500 maximum credit line and carries the same features as the Visa Platinum.

Visa^® Credit Card Rates

See the table below for important disclosures and information for our most popular Visa credit card options.

Rates are effective as of December 1, 2012.

Interest Rates & Interest Charges
	Visa Platinum Rewards Card (Variable Rate)	Visa Platinum, Student and Secured Card (Variable Rate)
Annual Percentage Rate (APR) for Purchases	10.24% - 17.99%APR¹ This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.	9.24% - 17.49%APR¹ This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
APR for Cash Advances	10.24% - 17.99% APR¹ based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.	9.24% - 17.49% APR¹ based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.
Penalty APR	· None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close 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 Federal Reserve Board	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
Annual Fee	· None
Transaction Fees · Balance Transfer · Cash Advance · Convenience Check · Foreign Transaction including Purchases, Cash Advances & Credits	· 3% of amount borrowed or $10, whichever is greater · 3% of the amount of each cash advance made at Financial Institutions & ATMs · 3% of amount borrowed or $10, whichever is greater · 1% of the transaction amount in US Dollars 0.80% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees · Late Payment · Returned Payment	· Up to $35 for each payment that is one (1) or more days late · Up to $35

Variable Rate Information: All APRs may vary. They are determined by adding a margin to the Prime Rate (as published in the Money Rates section of the Wall Street Journal on the last business day of the month) on all purchases, cash advances and balance transfers. This margin is determined by your creditworthiness. Rate may change based on a review of your credit and changes to the Prime Rate.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for details.
Military Rate Discount: Visa cardholders enrolled in the Military Appreciation Checking account will receive a 1% discount on the current Annual Percentage Rate (APR). This rate is subject to change. The reduction in APR will remain in effect as long as you retain a Military Appreciation Checking account. The APR will increase by 1% at the time the Military Appreciation Checking account is closed.
Please Note: The information about the costs of the cards described in this application is accurate as of 6/1/12. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003, visit our website at www.clearviewfcu.org or write us at: Clearview Federal Credit Union, Attn: Visa Department, 8805 University Blvd., Moon Township, PA 15108.
Rates, Fees and Terms May Change: We have the right to change the account terms (including APR) in accordance with your
Cardmember Agreement.

1 APR = Annual Percentage Rate. The index to determine the APR will be the Prime Rate found in the Money Rates section of the "Wall Street Journal" in effect on the last day of the month. Changes in the index will cause changes in the APR on the first day of the billing cycle immediately following any such change in the index. The APR is determined by adding a margin based on your creditworthiness to the index. Rate may change based on a review of your credit. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made.

Visa® Credit Cards