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UTELFCU WEBSITE

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VIRTUAL BRANCH ONLINE BANKING

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LOAN APPLICATION

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CREDIT UNION

HOURS

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EZ Card VISA®

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VISA® SCORECARD REWARDS

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IMPORTANT

PHONE NUMBERS

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FAMILY MEMBERSHIP ENCOURAGED!

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UTELFCU is your exclusive home-town financial institution!

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AUTO LOANS!

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 MORTGAGES!

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HOME EQUITY

LOANS!

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PERSONAL

LOANS!

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CONSOLIDATION

LOANS!

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VISA® CREDIT CARDS WITH SCORECARD REWARDS!!!

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This Credit Union is federally insured by the National Credit Union Administration

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Equal Housing Lender

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VISA Classic Credit CardVISA Classic Credit CardVISA® Credit Card 9.95% APR*

VISA® Application & Solicitation Disclosure

For online access to your VISA® credit card click here

TO REPORT A LOST OR STOLEN CARD CALL 1-800-543-5073. Please follow up with a call to the credit union so we may order a new card for you. 

*Annual Percentage Rate

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases  9.95%

APR for Balance Transfers

 9.95%
APR for Cash  Advances  9.95%
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.
Fees  

Transaction Fees

 --Foreign Transaction Fee

1.00% of each transaction in U.S. dollars.

Penalty Fees

 --Late Payment Fee

Up to $10.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

How We Will Calculate Your Balance.  We use a method called "average daily balance (including new purchases)."

Effective Date.

The information about the costs of the card described in the application is accurate as of October 1, 2012.  This information may have changed after that date.  To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee            $10.00 or the amount of the required minimum payment, whichever is less. 

                                           If you are five (5) or more days late in making a payment

Pay-by-Phone Fee           $10.00 if calling VISA® direct

VISA® Credit Card Agreement

VISA® Credit Card Agreement Notice of Change VAU

VISA® Account Updater (VRU) Opt-Out

VISA® Credit Line Increase Request

VISA® Credit Line Decrease Request

VISA® International Travel Tips Brochure

VISA® Authorized User Application

EMV Chip Card Education

Falcon Consumer Education

Protecting Your Money And Your Peace of Mind

At Utica District Telephone Employees FCU, safeguarding your account is an important part of our business.  We are proud to provide unparalleled card security as part of your credit union membership.

 No matter how careful you are with your financial records, criminals still find ways to access your card information to make unauthorized purchases.  To combat this threat, we use the leading fraud protection service to monitor your accounts and detect suspicious activity.

  How it works

 The service has information about fraud that has occurred for other cardholders

  • The service learns your normal spending patterns
  • Based on a combination of this information, the service evaluates your transaction
    If the transaction is considered risky, a fraud specialist will contact you to verify if you authorized the transaction
  • If you confirm the transaction is legitimate, there is no impact
  • If you confirm that you did not authorize the transaction, that card is immediately blocked to stop more fraud from occurring
  • If the fraud specialist cannot reach you, a message will be left and your card may be temporarily blocked until you return the call

  How you can help

 Protect your card and card information

  • Regularly monitor your statements for any activity that is not yours
  • If you are contacted by a fraud specialist, please return the call as soon as possible
    • If the fraud specialist calls you, you will not be asked for any personal information
    • If you call the fraud call center back, you will be asked to verify your identity
  • Make certain that the phone number you have on file with the credit union is current so you can be easily contacted if any questionable activity is detected on your account

 To learn more about how we safeguard your account, please contact a Member Service Representative at 315-724-5133 or visit our Web site at www.utelfcu.net.

 If your card is lost or stolen, or you notice suspicious activity, please call: 1-800-543-5073.  Please follow up with the credit union at your earliest possible convenience so we can get a replacement card mailed to you