When it comes to credit cards, we like to say NO!

  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Overlimit Fee
  • No Variable Rate
  • No Default Rate
  • No Additional Cardholder Fee
  • No Minimum Monthly Charge
  • No Finance Charge on Purchases when you pay off the entire balance within 25 days

*Balance and Cash Advance Opportunity at 1.99% until 12/31/2010 and a great fixed rate after that of 10.9% for our Gold Card and 14.9% for our Classic Card

Visa Classic Card RATES/TERMS     APPLY NOW

The card that offers the solution... for less.

Benefits of the Visa Classic Card

Stop paying high interest on those other cards and consider transferring those balances to this new low fixed rate. Call, stop by, or follow this link to get your application today! Visa Classic application/disclosure (PDF) - (requires Adobe Acrobat Reader).

  • Low Rate

          Your Saratoga's Community FCU's Visa Classic card provides you the opportunity to pay off your other cards and charge purchases at the very low interest rate of 14.90% APR! Compare our rates with those charged by other cards.

  • 25-Day Grace Period

    Your credit union Visa allows you to pay off the entire balance of purchases without incurring any finance charges. Your Visa can cost absolutely nothing to use!

  • No Annual Fee

    You will not be charged an annual fee to have a Saratoga's Community FCU's Visa Classic card. Most other cards can cost you upwards of $50 a year to have. Imagine the savings with this feature alone.

  • Convenience and Accessibility

    Enjoy the peace of mind knowing you can get cash 24-hours-a-day. Visa cards accepted in 150 countries at more than 20 million locations, including more than 855,000 ATMs.

  • Flexible Spending Limits

    With a SCFCU Visa Classic you'll get benefits that include flexible spending limits, starting at $500, and as high as $15,000.

  • ScoreCard Rewards www.scorecardrewards.com

A program where our credit card gives you free gifts, travel and cash back! Purchases made with a Saratoga's Community FCU's Visa Credit Card or Signature Debit Card earn valuable score card points. Earned points can be redeemed for free merchandise, travel awards and cash back.

We want to thank you for your participation in our ScoreCard awards program. In addition to redeeming points for valuable merchandise and travel, members now have the option of redeming points for cash. The following cash award option will be made available every December in the form of a credit to your account.

 5,000 points = $25

10,000 points = $75

15,000 points = $125

20,000 points = $175

25,000 points = $235

Get the solution...Saratoga's Community Federal Credit Union Visa Classic Card

Visa Gold Card RATES/TERMS     APPLY NOW

Benefits of the Visa Gold Card

Benefits and services that go far beyond the average card.

Stop paying high interest on those other cards and consider transferring those balances to this new low fixed rate. Call, stop by, or follow this link to get your application today! Visa Gold application/disclosure (PDF) - (requires Adobe Acrobat Reader).

With a Saratoga's Community FCU's Visa Gold card you'll get benefits that include a 10.90% APR and higher spending limits, starting at $3,000, and as high as $20,000. Visa cards accepted in 150 countries at more than 20 million locations, including more than 855,000 ATMs, and that's just the beginning.

At any hour, any day of the year, one toll-free call in the U.S. to 800.VISA.911 connects Visa Gold cardholders with skilled customer service representatives at the Visa Assistance Center (VAC).

Those are just a few of the many valuable benefits you'll get with a Saratoga's Community FCU's Visa Gold card.

Check out the other great features a Visa Gold card offers:

Verified by Visa

Now you can create a password that protects you when you buy online. Introducing Verified by Visa, the new service that helps prevent unauthorized purchases before they even happen. So what's your password?

www.verifiedbyvisa.com

Scorecard Rewards

A program where our credit card gives you free gifts, travel and cash back! Purchases made with a Saratoga's Community FCU's Visa Credit Card or Signature Debit Card earn valuable score card points. Earned points can be redeemed for free merchandise, travel awards and cash back.

Cardholders can view available merchandise and travel selections online.

www.scorecardrewards.com

eZCardInfo

Now, with the click of a mouse, you can view important information about your Saratoga's Community FCU Visa Credit Card. Features include account balances, available credit, current and past statements, and transactions posted since your last statement. In addition, eZCardInfo allows you to make payments automatically via the Internet. No postage and no writing checks; everything is handled electronically.

eZCardInfo features:

  • Account Summary Information
  • Online Statement with 16 previous months
  • Data downloadable to financial software such as Quicken or Money
  • Customize your own online credit card payments
  • Transaction and Spending Reports
  • E-mail notifications of conditions or events on your account

www.eZCardInfo.com

TO REPORT A LOST OR STOLEN CREDIT CARD:

Call 800.543.5073 when in the United States or 727.570.4881 when out of the United States