Our Visa cards feature what is most important to you in a credit card:
- Low rates and fees for maximum affordability;
- Reward points to provide additional value; and
- Worldwide acceptance for maximum purchasing power.
You have a choice when it comes to finding the right card for your credit needs. Whether you're looking for a card that charges fewer fees, or you just want a low rate, you'll find it at The Southern Federal Credit Union.
Use the chart below to compare the Classic, Gold and Platinum card features.
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| APR* for Balance Transfers | 11.90% |
9.90% |
Prime Rate |
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| APR for Purchases | 11.90% |
9.90% |
Prime Rate |
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| APR for Cash Advances | 11.90% |
9.90% |
Prime Rate |
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| Variable Rate Information | None |
None |
Your APR may vary. ** |
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| Cash Advance Fee | None |
None |
None |
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| Annual Fee | None |
None |
$25.00 Annually |
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| Balance Transfer Fee | None |
None |
None |
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| Transaction Fee for Cash Advances | None |
None |
None |
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| Minimum Finance Charge | None |
None |
None |
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| Grace Period for Purchases | You have 25 days on average to repay your balance on purchases before a finance charge will be imposed. | ||||||||
| Balance Calculation Method for Purchases | The finance charge is calculated on the average daily balance (including new purchases). | ||||||||
| Various Payment Options Available | Yes |
Yes |
Yes |
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| WARRANTY SERVICES: | |||||||||
| Extended Warranty | NO | Yes |
Yes |
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| Warranty Registration | NO | Yes |
no |
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| Extended Service Agreements | NO | Yes |
oo |
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| Travel & Emergency Services | NO | Yes |
no |
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| 90 Day Product Protection | nono | no |
Yes |
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| Identity Theft Victim Assistance | nono | no |
Yes |
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| $1,000 Identity Theft Reimbursement Insurance | no | no |
Yes |
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| Payment Card Registration | no | no |
Yes |
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| Personal Shopper | no | no |
Yes |
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| Travel Reservation Service | no | no |
Yes |
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| Late Payment Fee: $20 Over the Limit Fee: $20 Charges incurred by use of the card are due on receipt of statement. *APR equals Annual Percentage Rate. Rates and terms are subject to change without notice. **The Rate is the Prime Rate as published in The Wall Street Journal as of the last day of business each month, but will not be less than 7.0% or more than 8.9% APR. Information is accurate as of July 2008. This information may change thereafter. |
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Additional Card Benefits:
Free Online Access
You can manage your Credit Union Visa account online. View your current account balance, available credit, minimum payment due, payment due date, and daily transaction activity. You can even make payments online.
Balance Transfers
The Credit Union offers free balance transfers from your other credit card and department store accounts. Call and speak with a loan officer for directions on how to transfer balances.
Credit Limit Increases
Once you have an established Visa Card with the Credit Union, you may want to apply for a credit limit increase. Perhaps you have had a change in employment status, a promotion or raise, and would like to be considered for a larger line of credit.
Share Secured Classic Visa
If you're trying to establish credit or manage your credit better, a Secured Classic Visa may be right for you. With a credit line of up to $1,000 secured by your savings account, it has all the benefits of a regular Visa. This card is secured by your savings account, and you must keep a balance in your account equal to your credit limit.
Student Visa
Good credit is a basic building block to everyone's financial independence. And whether for emergencies or convenience, it makes good sense for students to carry a Credit Union Visa. We're committed to helping responsible students build good credit. We start students out with reasonable credit limits prudent for campus life.
Zero Liability
Visa's Zero Liability policy means 100 percent protection for you. Visa's enhanced policy guarantees maximum protection against fraud. Use your Visa card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. With Visa's Zero Liability policy, should someone steal your card number while you're shopping online or off, your liability for unauthorized transactions is $0—you pay nothing.
| Verified By Visa Shop with confidence online when you enroll your Visa card in the Verified by Visa program. Additional security verifies your account ownership when you make online purchases. Simply click on the logo to the right and protect your credit card with a personal password. |
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Internet Fraud Phishing Scam Alert!
You will never receive an email from Visa, Verified by Visa or The Southern Federal Credit Union requesting that you confirm or submit confidential information. Should you ever receive an email claiming to be from one of us, please DO NOT respond to it. It's a scam. We ask that you report any such email to the Credit Union immediately.
To Report a Lost or Stolen Card
To report a Visa card lost or stolen during business hours call (770) 719-1111 or 800-338-5882 between the hours of 8:00 AM and 6:00 PM Eastern Standard Time. After hours call 800-543-5073.