Caltech Employees Federal Credit Union

Visa Card

Low Rate and No Annual Fee!

Discover the CEFCU VISA Difference

We asked our members what they wanted in a VISA card and they all said one thing: Low Cost. No gimmicks. No rebates. No ifs, ands or buts. Just a card that costs nothing to carry... and little to use. So here it is:

Caltech Employees Federal Credit Union is proud to present one of the lowest-cost credit cards available. There's NO Annual Fee. NO cash advance fee. And the fixed rate is just 10.50% APR! There's even a 25-day grace period during which time you can repay your purchases in full without incurring any finance charges. Cash advances accrue interest from the date of advance.

Plus, you'll get other advantages, including:

VISA ATM access
$200,000 Travel Accident Insurance
Optional Credit Disability Insurance & Credit Life Insurance
Credit limits up to $50,000
Low minimum monthly payments.
Cool card designs
Easy payment methods

Don't be misled by other cards that claim a lower rate. Their rates are almost always variable, which means that they are tied to an index which can fluctuate, and go up... and up... and up. There's never been a better time for a CEFCU VISA with our truly low-cost card... no gimmicks, no transfer fee and four exclusive design options to choose from.

Full-Time students (12 Units or more) are eligible for our special STUDENT VISA program.

Our low rates will stay low. So you can use our card to consolidate your other credit card balances and ensure substantial savings in finance charges. And, because of our long-standing commitment to low rates, you'll enjoy those savings not just at first, but year after year.

VISA Pay by Phone is now available for all CEFCU VISA cardholders. With our new payment option, simply call Cardholder Services at 800-654-7728 to make a payment by phone. There will be a $5.00 transaction fee for this service. Prior to calling, please have your 16-digit VISA card number available along with the Routing/Transit number and the account number for the financial institution you wish to have the payment deducted from. Cardholder Services is available 24/7. Press zero to connect with a representative.

If you are a CEFCU@HOME user, you may pay your VISA online. Once logged into CEFCU@HOME, click on the Visa Access link.

You may also choose CEFCU's VISA Auto Pay service provided to you at no charge. Simply complete the VISA Auto Pay form and fax it, mail it, or drop it off at the office location most convenient to you. Just another added benefit of CEFCU's VISA program!

To cut your costs with our no-annual-fee, 10.50% VISA, apply online today by clicking on WebLoan24 option when you sign into CEFCU@HOME. If you're not yet a CEFCU@HOME user, you can still apply online. Prefer not to apply online? You may also complete a Loan Request and mail or fax it to the office location most convenient to you. If you have already completed a CEFCU loan application in the past, just give us a call! just fill out the Loan Request and optional Visa Transfer Form.

There's simply no substitute for a great, down-to-earth value.

All credit subject to approval. Rates and terms subject to change without notice. For current information, call your Credit Union branch. Equal opportunity lender.