A Platinum Card that Rewards!  Online Account Access

Lost/Stolen Credit Cards:            800-449-7728 or 800-654-7728

Stop Paying Too Much for Credit Cards

Consumers using bank-issued credit cards are paying billions too much for credit, according to a study by the Consumer Federation of America (CFA), a nonprofit consumer association in Washington, D.C., and the Credit Union National Association (CUNA) in Madison, Wis.

That's because credit union credit card rates average about three percentage points lower than credit card rates at banks. And that translates to a $79 annual savings if you're like the average credit card holder, with a $1,900 balance per card, and use a credit union credit card vs. a bank credit card.

Essentially, credit unions aren't functioning like other market competitors--they're offering lower rates to serve their members, when current market conditions would allow them to charge much higher rates on their credit cards, says Stephen Brobeck, CFA executive director. Dependable low rates have set credit union credit cards apart for years.

Enhancements, like retail discounts, cash rebates, and frequent flyer miles, also push up a cards annual percentage rate. And annual fees for these cards tend to be higher than they are with standard cards.

Extra costs mean you must use the card often enough to make it worth it. Some cards have minimums you must charge (as high as $500) before you start earning points. And some rebates restrict use or apply only to certain brands or models, which limits buying power.

With an FCFCU credit card you'll save on annual fees as well because average annual fees on credit union cards are lower than average annual fees on bank cards.

A credit card is a convenient way to pay. An FCFCU credit card is even more--its affordable. So, if you don't already use our card, apply now, visit us, or call (703) 218-9900 (press 3). 

Annual Percentage Rate (APR) Range for Purchases*	Visa Platinum CU Rewards 10.99% Visa Platinum No Rewards 9.99%
Grace Period for Purchases	25 Days
Method of Computing the Balances for Purchases	Average Daily Balance (including new purchases)
Annual Fee	$20.00**
Minimum Payment Fee	2% or $25.00 Whichever is Greater
Transaction Fee for Purchases	None
Late Payment Fee	$25.00
Over-the-Credit Limit Fee	$20.00***
Cash Advance/Balance Transfer Fee	1% or $5.00 Minimum ($50.00 Maximum)

    *Interest Rates based on the credit report score range.

  **Only applies to VISA Platinum accounts with 11 transactions or less within a 12 month period.

 ***New Balances less any fees if more than 1% over your credit limit.

The information provided is accurate as of August 2005.  This information is subject to change without prior notice.  Contact the credit union for more information or to apply.

Lost/Stolen Check Cards:           800-472-3272

InfoLinkPlus - Fairfax County FCU's Members Benefit from New Internet Service

FCFCU's pleased to introduce a new way for you to check the status of your FCFCU credit card accounts.

Register your FCFCU credit card accounts right here online. Once you register an account, you can immediately begin to view vital information about your account any time of day from the convenience and security of your own computer. All you need is a connection to the Internet. (Of course, you can still get information and service on your accounts by calling the toll-free telephone number noted on the back of your credit card.)

This new web-based credit card information facility lets you view transactions from your last three statements, check your account balance, available credit, next payment date, and amount due.

We're using the Internet now as another way for our members to access their credit card account data. The Internet just happens to be a delivery channel that's in very high demand now because of its convenience," said Vicky Paulson, FCFCU Marketing & Business Development Manager.

Web access to credit card data is fast - pages appear in seconds. Most importantly, this new way to examine account data is secure - all exchanges between your web browser and the credit card pages are protected by Secure Sockets Layer (SSL) 128-bit encryption.

Best of all, there's no charge to you, the member, for getting your account data over the Internet. Visit www.fairfaxcu.org and give this new service a try.