Credit Card Rates
Our Mastercard options make life a little more affordable.
These days, many credit cards tout their rewards programs. Others talk about their fraud-fighting services. Those are both really important- and both are a given for our credit cards. But at Clearview, we believe one of the best features of our credit cards is that they hold the line on interest charges for our Pittsburgh-area friends.
Credit Card Rates
See the table below for important disclosures and information for our credit card options.
Rates are effective as of January 27, 2023.
Interest Rates & Interest Charges
| Premium World® Mastercard® (Variable Rate) | Platinum and Student Mastercard® (Variable Rate) | |
|---|---|---|
| Annual Percentage Rate(APR) for Purchases, Cash Advances and Balance Transfers | 18.00% APR1 This APR will vary with the market based on the Prime Rate and is based on your creditworthiness. |
11.24% - 18.00% APR1 This APR will vary with the market based on the Prime Rate and is based on your creditworthiness. |
| APR for Balance Transfers Promotional Rate | 6.99% APR2 for the life of the transferred balance on balance transfers processed through March 31, 2023 | 6.99% APR2 for the life of the transferred balance on balance transfers processed through March 31, 2023 |
| 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 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 | Premium World® Mastercard® (Variable Rate) | Platinum and Student Mastercard® (Variable Rate) |
|---|---|---|
| Annual Fee | None | None |
| Balance Transfer | None | None |
| Cash Advance | 3% of the amount of each cash advance made at Financial Institutions & ATMs | 3% of the amount of each cash advance made at Financial Institutions & ATMs |
| Foreign Transaction including Purchases Cash Advances & Credits |
None |
|
| Late Payment | Up to $35 for each payment that is one (1) or more days late | Up to $35 for each payment that is one (1) or more days late |
| Returned Payment | Up to $35 | Up to $35 |
Variable Rate Information: All APRs may vary. Your APR is 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 periodic review of your credit and/or 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.
Balance Transfer Information: There is no grace period for balance transfers. If you transfer a balance and also make purchases, if you do not pay your entire balance in full at the end of the first billing cycle, you may lose your grace period for new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Rate Discount: If you are on or scheduled for active duty please contact us at 1-800-926-0003 for rate adjustment.
Please Note: The information about the costs of the cards described in this application is accurate as of January 27, 2023. 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 clearviewfcu.org or write us at:
Clearview Federal Credit Union, Attn: Card Services, 8805 University Blvd., Moon Township, PA 15108.
Rates, Fees and Terms May Change: The account terms (including APR) are subject to change in accordance with your account agreement and applicable law.
- APR = Annual Percentage Rate. 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. All cash advances and balance transfers will accrue interest from the day the advance or transfer is made.
- APR = Annual Percentage Rate. Payments to your credit card will be posted according to applicable laws. Balance transfers may not exceed your available credit. 6.99% APR offer applies to transfers processed by March 31, 2023. These transfers will receive 6.99% APR until balance of the transfer is paid in full. Rate is subject to change without notice. Offer may be extended, modified or discontinued at any time. Clearview loans and credit card balances are not eligible for the discounted balance transfer rate. All loan approvals are subject to normal underwriting guidelines. You must be at least 18 years old to apply.
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us 1-800-926-0003 prior to your departure with the dates and cities you’ll be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us 1-800-926-0003 prior to your departure with the dates and cities you’ll be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.
Register today. It only takes a few minutes!
You can make a payment to your credit card in digital banking, over the phone, or by mailing a check.
In digital banking, you can make a one time or recurring transfer from your Clearview accounts by selecting Make a transfer under Move money. To pay from another financial institution, select Pay my loan or credit card under Move Money.
To pay by phone, call our Care Center at 1-800-926-0003. There's a service fee per transaction. You can avoid this fee by making a payment within digital banking.
If you're unable to use any other methods to make a payment to your loan or credit card, please send payments to the following addresses:
Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580.
You can also make a one-time payment to your loan without logging in to digital banking using our Make a Payment Portal. There's a service fee per transaction. We have payment options in digital banking where you can avoid a fee. Business loans, Midwest mortgages, and credit cards cannot be performed through this payment channel. Learn more about your repayment options.
Register today. It only takes a few minutes!
You can get a new credit or debit card printed on the spot at some of our financial centers for the following reasons:
- When your card is lost or stolen
- When your card is damaged
- When you open a new checking account at a financial center
Visit our location pages to see which financial centers offer instant issue credit and debit cards.
To review recent transactions, select your credit card from the My accounts page. For additional credit card information, under Manage account, select Manage my credit card.
To view or redeem your rewards, select Premium Perks under Manage account.
- Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
- Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580.
