VISA Credit Card

It's time to take charge with VISA from Sterling Heights Community Federal Credit Union. We offer a better credit card because our VISA saves you money. Here's how:

  • Other financial institutions charge upwards to $25 a year for the "privilege" of their credit cards. We offer a NO ANNUAL FEE to our members.
  • We offer low, competitive interest rates on Visa from 6.9% to 13.9% APR on
    all purchases.
  • Our grace period gives you 25 comfortable days to pay, from the date of billing, before charging any interest on new purchases.
  • There are no transaction fees.

We offer you the opportunity to transfer balances from your other high-interest credit cards to your new low interest SHCFCU EFCU VISA.

With a SHCFCU VISA, you can make purchases and cash advances at more than 3 million retail and financial establishments worldwide!

So TAKE CHARGE of your credit cards by switching to your credit union - where low rates and no annual fee mean savings to you.

And if you don't already enjoy the convenience of a credit card, open up your VISA Credit Card account today where you really count — at SHCFCU.

Credit Disclosures

  • Application fee: $10.00
  • Annual Percentage Rate: 6.9%-13.9%
  • Minimum Finance Charge: 0
  • Annual Membership Fee: 0
  • Grace Period for Repayment of the Balance of Purchase: 25 Days
  • Late Payment Fee: $20.00
  • Over the Limit Fee: $10.00
  • Method of Computing the Balance for Purchases: Average Daily Balance (including new purchases)