Redstone Federal Credit Union Visa Signature | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

RFCU Membership
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

redfcu.org

Phone

(800) 234-1234

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

16.5% – 18%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	18%	1 dollar sign symbol Pay less interest
720+	16.5%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $28 for the first late payment and $39 for a late payment within six billing cycles of another late payment
Late fee policy details: The late fee is $28.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial late pay
Over-limit fee: $28
Over-limit fee details: The over-limit fee is $28.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. In the event you exceed your credit limit in any of the six billing cycles following the initial violation, you will be charged $39.00 o
Returned Payment Fee: $25 (The Returned Payment Fee is charged when a credit card payment is returned. The fee is $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following th)
Returned Convenience Check Fee: $5 (The Card Replacement Fee is charged when a cardholder requests a replacement card.)
Document Copy Fee: $12 (The Document Copy Fee is charged for printing copies of non-statement documents. The fee is $12.00 per document.)
Expedited Payment Fee: $8 (The Expedited Payment Fee is charged for processing an expedited payment. The fee is $8.00 per payment when processed by a customer service representative.)

Rewards and perks

Cash back, travel, and other

Other rewards: Gift cards, Charitable donations

Services

Access to Free Credit Scores
Credit card registration
Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty
Price Protection, Travel and Emergency Assistance, Roadside Dispatch

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

0%*

+

$0

*As of Dec. 31, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

18%*

+

$0

*As of Dec. 31, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
620-719	18%
720+	18%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.