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TrueCore Federal Credit Union

VISA Credit Cards

 
Visa transfer special
 
  • No balance transfer fee (Many banks can charge 3% to 5%!)
  • No annual fee

  • EMV chip technology

  • Free and easy access through online banking

  • Already have a TrueCore Visa credit card? Stop by the Deo Drive lobby or any drive thru to complete the balance transfer. You may also email info@truecore.org to get started.
      

 


Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Purchases 11.95% to 16.95%, based on your creditworthiness.
APR for Balance Transfers
Visa Credit Card Transfer Special*
 
Option 1:
0.99% Introductory APR for 12 months from account opening.
After that, your APR will be 11.95% to 16.95%, based on your creditworthiness.

Option 2:
2.99% Introductory APR for 24 months from account opening.
After that, your APR will be 11.95% to 16.95%, based on your creditworthiness.
APR for Cash Advances 11.95% to 16.95%, based on your creditworthiness.
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 at http://www.consumerfinance.gov/learnmore.
*Offer is effective May 1 to October 31, 2020. Excludes existing TrueCore Federal Credit Union (TFCU) debt. Must be a member of TFCU. The .99% and 2.99% rates apply to the balance transfer amount only. Approval is based on the credit union qualifications and policies. After the one- or two-year term expires, the rate will increase to as low as 11.95% based on your credit score. After the initial discount rate period, your rate will be fixed.
 

Fees

Annual Fee

None
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee

-Transaction Fee for Purchases

None
$1.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $26.00
Up to $25.00
 

Helpful information

 
How do we calculate your balance? We use a method called "average daily balance (including new purchases)."
 
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted to your account until 10/31/2020. Any existing balances on TrueCore Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
 
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.
 
Effective Date: The information about the costs of the card described above is accurate as of: May 01, 2020.  This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
 
Other Fees and Disclosures: 
Late Payment Fee

$26.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Cash Advance Fee (Finance Charge)
$1.00
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
To report a lost or stolen TrueCore Visa® card, please call 740-345-8052 or 800-865-8177.
 
Want to change your PIN?  Bring your TrueCore ATM/Debit Card and photo ID to any main office, and we can instantly change your PIN to your number of choice.  Rather change your card's PIN on your own?  Simply call 888-891-2435 and follow the prompts.  This is another free benefit that has been added for your convenience.
 
Need to change your Apple Pay info?  On your device, go to Settings>Wallet & Apple Pay, tap a card, then tap on what you want to update.  If you are unable to edit the card information, you can add a new card, then delete the old one.
 
Traveling with your TrueCore Card?  Please let TrueCore know before you travel out of state by calling 740-345-6608 or 800-333-2465. Due to the large amount of fraud that is occurring throughout the country, we have been monitoring what we believe could be fraudulent activity. For your protection, we will block a card if fraud has been suspected on it; for instance, if you are traveling somewhere out of the ordinary. For complete details, please click here.

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