Services Center Federal Credit Union Visa Classic Credit Card Program:
 
 

 
                                        Low APR •  No Annual Fee • 28-day Grace Period
 
For quality and convenience at an affordable rate, choose a Services Center FCU Classic Visa® Card.  Services Center's Visa program provides you with a convenient way to pay for travel, entertainment, purchases and provide an easy way to get quick cash.

  
 
INTEREST RATES AND INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases 10.25%   This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 10.25%   This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.25%   This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases

Your due date is 28 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge

No Minimum Interest Charge.
For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
 
FEES:
Annual Fee none

Transaction Fees:
   
   * Balance Transfer
   * Cash Advance
   * Foreign Transaction

$5.00
$5.00
1.00% of each transaction in U.S. dollars
 

Penalty Fees:
   
   * Late Payment
   * Returned Payment

$10.00
$20.00
 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)*
See your account agreement for more details.
 
 How We Will Calculate Your Variable Rate: We calculate your variable rate by adding seven (7) percent to the Prime Rate published in the “Money” section of The Wall Street Journal on the 1st day of January and July. If the Prime Rate changes, the increase or decrease of rate will take effect on the 1st day of February and August. If the Journal is not published on that day, then see the next publication date. The interest rate will never be more than NCUA’s rate ceiling. The rate will not change more than 4% in any year. Changes in the ANNUAL PERCENTAGE RATE will result in more (or fewer) payments.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 
     
Online Payments:
  

Making your SCFCU Visa Credit Card payments online using It's Me 247!  Here's how...
 
1) Sign up for It's Me 247 (online banking)
 
2) If you have a credit card with the Credit Union you should see a 801 subaccount (example - #004 is checking, #000 is savings and #801 is your VISA account).
 
3) Simply transfer funds from another subaccount or base account directly to the 801 subaccount.
 
4) Verify the amount of funds transferring and submit.  Once the transaction is completed the funds are applied immediately to your balance.  You can also schedule periodic payments at intervals that is convenient for you.
 
Application Form:
 

Click HERE for the Adobe Reader version of SCFCU Visa Credit Card Application.  If you don't have the Adobe Reader installed on your computer, don't worry, it is a free download and you can start by visiting their "Downloads" section on their website http://www.adobe.com.
Truth In Savings/Regulation E:
  To read more information on how the Credit Union protects your account information and the rules and regulations that protect your transactions, please click HERE.
   
VISA 24-Hour Hotline for Debit and Credit Cards
 Telephone:  (800) 543-5073
   
   
 
 

Services Center Federal Credit Union
Mail: PO BOX 704 Yankton, SD 57078
Phone: (605) 665-4309
Fax: (605) 665-4314