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800-452-6021
541-741-2605
VISA CREDIT CARDS

We provide our members with a range of credit card products designed to meet the financial needs of everyone, from the young member wishing to establish credit to our long time members with “well-established credit histories”.

The Power To Say...”Yes”!
 
Loan Rates APR*
Visa Gold VIP
7.9%
Visa Gold
9.9%
Visa Classic
14.9%
* APR - Annual Percentage Rate
Frequently Asked Questions    |   Visa Credit Card Rates    |   Loan Calculator
Benefits & Convenience for you:
  • NO ANNUAL FEE!
  • Loans by phone ... Easy & Convenient!
  • We process your loan request within hours...not days
  • Online application is available
  • Low interest rates
  Visa Classic Visa Gold Visa Gold VIP
Annual
Percentage
Rate (APR)
14.9%
9.9%
7.9%
Features
  • No annual fee
  • No additional card fee
  • No transfer balance fee
  • No cash advance fee*
  • No Rate Increase for Cash Advances
Benefits & Convenience
  • Universal Acceptance
    Accepted at millions of merchant locations worldwide and obtain cash at more than 800,000 Visa ATMs in U.S. and 144 countries around the world .
  • Auto Rental Collision Damage Waiver Program
    Eliminate the need to pay for the collision damage waiver or similar provision provided by the commercial auto rental agencies on most passenger vehicles - saving as much as $13 per day in insurance costs.
  • Lost/Stolen Card Reporting
    If your card is lost or stolen, assistance is only a phone call away. “Live” customer service agents are available 24 hours a day, 7 days a week by calling 1-800-Visa-911. Overseas travelers can dial collect 1-410-581-9994.
  • Emergency Card Replacement/Cash Disbursement
    With this service, you have peace of mind knowing that your Visa card can be replaced quickly, easily, and conveniently. In the U.S. a card can be replaced and delivered in as little as 24 hours. Outside of the U.S., it is often replaced as quickly as one business day.
  • Zero-Liability Program
    With Visa’s Zero Liability policy, cardholders have no liability for unauthorized use of their cards or account information.**
  • Optional Roadside Assistance Service
    Visa Roadside Dispatch is a Pay-Per-Use Roadside Assistance Program expressly for Visa cardholders. The program provides you with security and convenience wherever your travels take you. No Membership Required. No Pre-Enrollment is Required. No Annual Dues. No Limit on Usage. $59.95 per service call.
* 
We charge no fee; however, ATMs of another financial institution may charge a fee.
** 
U.S.-issued cards only. Visa’s Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See Cardholder Agreement for more details.

FREQUENTLY ASKED QUESTIONS

Q: Do I have to be a member to apply for a credit card?
A: Yes, you do. It’s easy and simple. When you apply for a credit card, we will process your membership at the same time. So, you do not have to complete each process separately.

Q: What should I do if I decide to transfer the balance from my other high-interest-rate credit card?
A: It’s simple and easy. Call one of our friendly loan officers at 800-452-6021, and we will take care of it for you. There is absolutely no hassle.

Q: How do I make payments?
A: Make payments in our lobby, by mail, convenient night-drop, or make automatic deposits through payroll deduction.

Q: How do I check my balance?
A: Use the free Internet Banking, call the free Telephone Teller at 800-808-5802, or call a friendly member representative at 800-452-6021.

Q: What should I do if I lost my card?
A: During normal business hours (Mon-Fri, 8a -5p PST), please call 800-452-6021. For after business hours assistance, call 800-Visa-911 (800-8418-911). A “live” customer service representative is available to help you. If you are travelling overseas, please dial collect 1-410-581-9994.
   
 
copyright © 2005 Food Industries Credit Union
  
  Equal Housing Lender
Federally Insured by: National Credit Union Administration