VISA®
Credit Cards
A credit card that fits your lifestyle!
Transfer
Balances for Long-term Savings!
American Eagle VISA®
Credit Cards Feature
Authorized Users
Mailing
Address for Visa
Payments
Verified by VISA®
Apply
Now!
Transfer
Balances for Long-term Savings!
Check the interest rates on your other
credit cards and loans. You could be paying too much. We can help you
transfer these balances over to a new American Eagle VISA®
credit card
Apply online
for an American Eagle VISA® credit card today!
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American Eagle VISA® Credit Cards Feature:
- No annual fee
- 25-day grace period on new purchases
- 24-hour account access by
telephone and Internet
- Cash advances by ATMs
- Checking Overdraft Coverage (optional)
- Automatic payment plan
(optional)
- Free travel accident
insurance
- View up to three months of your
AEFCU VISA®
transaction history on the Internet through 24-Hour Online Banking.
- Online payment
through 24-Hour Online Banking.
It's easy to apply. The application is short.
Approval is quick.
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VISA®
Platinum
- A credit line of $500
to $25,000.
- Free Travel Accident Insurance
up to $400,000.
- Auto Rental Insurance.
- Warranty Manager
Service.
- 24-Hour Travel and Emergency Assistance.
- Emergency Card/Cash Disbursement.
- Lost/Stolen Card Reporting.
-
CURewards
With CURewards you earn one point for every dollar charged
in qualified purchases. Accumulate points for up to three years and redeem
them for airline tickets, cruises, hotel stays, car
rentals, merchandise, and gift cards. CURewards are based on net purchases only. Cash
advances including convenience checks and returns do not qualify. Other
restrictions, terms, and conditions apply.
Optional Travel Insurance to Enhance Air Travel
Redemptions
CURewards members have
the option to purchase Travel Insurance at the time they redeem points
for air travel. This optional protection covers Airline Default, Trip
Cancellation, Trip Interruption, Missed Connection, Baggage Delay and
more. The cost to the member is calculated at 5% of the ticket costs,
with a minimum of $16.
New Gift Cards
CURewards has its Merchant Gift Card program.
Merchant Gift Cards are an optional offering to Merchandise and Travel
Programs available through the program. The following merchant gift
cards/denominations are now available on CURewards:
$40 Denomination:
-
1-800 Flowers®
- Albertson's - (Acme, Osco
Drug, Jewel-Osco, Save-On-Drugs)
- Bass Pro Shop®
- Bath and Body Works
- Best Buy
- Brinker International (Chili's, Maggiano's, On
the Border, Macaroni Grill)
- Cub Foods
- CVS Pharmacy®
- Darden Restaurants (Red
Lobster, Olive Garden, Bahama Breeze, Smokey Bones)
- Exxon Mobil
- Hammacher Schlemmer
- Just Tunes™
- KB Toys
- Macy's
- Safeway
- Sears
- The Home Depot
$50 Denomination
-
Applebee's
- Blockbuster
- Borders Books & Music
- BP®
- Disney Store
- Exxon Mobil
- GAP (Banana Republic, Old
Navy)
- Kmart
- LL Bean
- Pottery Barn
- Pottery Barn Teens
- Restoration Hardware
- Shell®
- Smith & Wollensky
- Speedway®Super America
- Williams - Sonoma
Montrose Travel Extended
Hours
Montrose Travel, our
CURewards™ Travel partner, has expanded the hours for Member Service
calls. Phone support is available Monday through Friday 9:00 am to 9:30
pm EST, and Saturday 12pm to 6pm EST.
From exotic travel destinations to
high-end electronics there's a reward waiting just for you! Visit
CURewards.com
or click the CURewards logo
above to browse the CURewards web
site.
VISA® Classic
- A credit line from $500
to $4,900.
- Free Travel Accident Insurance.
- Auto Rental Insurance.
- 24-Hour Access by Telephone or Internet.
- Emergency Card/Cash Disbursement.
- Lost/Stolen Card Reporting.
Student VISA®
This
is a great way for students, grade nine and up, to establish a credit history.
Credit lines from $250 to $4,900 require an adult co-signer. This
card offers the same features as our Classic Card.
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Authorized Users
- VISA® cardholders have the
opportunity to designate Authorized Users on their current cards,
(spouse, child, etc.):
- A separate VISA® card will be
issued with the Authorized User's name, but will have the cardholder's
account number.
- The cardholder may authorize
more than one additional user on their credit card.
- The monthly VISA® statement
will always be sent to the VISA® cardholder's current address on file for
their VISA® credit card.
- No minimum age requirement
for an additional user.
- Authorized user is not
required to be a member of the Credit Union.
The VISA® cardholder will have
to sign a
VISA®
Credit Card Authorized User form (PDF format) that states they will be
solely responsible for all usage by their designated Authorized Users.
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Shop Online With
Peace-of-Mind!
Add a password to confirm your identity to
your existing American Eagle VISA® credit card and CURTPlus debit
card, and you've got Verified by VISA®–the new free service
exclusively for VISA® cardholders.
Verified by VISA® gives you added safety
and the reassurance that only you can use your VISA® card online. It’s
an extra precaution that keeps your American Eagle VISA® credit card and
CURTPlus debit card numbers safe online. Even if you don't shop online,
you should register with "Verified by VISA®" to protect your
cards from fraudulent use online if ever lost or stolen.
Register
your
password now. 
Once
registered, you may shop online as usual.
Questions? Call Verified by VISA®
at 888 918-7490.
Mailing
Address for Visa Payments
Please mail all Visa credit card payments to:
American Eagle Federal Credit Union
P.O. Box 104
Brattleboro, VT 05302-0104
Call the Member Contact Center with any questions at 860.568.2020 or
800.842.0145, extension 5101.
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| DISCLOSURE
OF RATES AND TERMS |
| Annual Percentage Rate
(APR): for purchases |
7.90%;
9.50%;
11.50%; 14.50%; and
15.50%. |
Other APRs
for Cash Advances:
for Balance Transfers:
for Convenience checks: |
7.90%; 9.50%; 11.50%; 14.50%; 14.50%;
and 15.50%. 7.90%; 9.50%; 11.50%;
14.50%; 14.50%; and 15.50%.
7.90%; 9.50%; 11.50%; 14.50%; 14.50%;
and 15.50%. |
| Grace period
for purchases: |
25 days on average to repay your balance for purchases before being
charged a finance charge. |
| Grace period for cash advances: |
No grace period
for cash advances and convenience checks. |
| Method for calculating balance on which
finance charge is computed: |
Average daily balance
(including new transactions) |
| Annual fee: |
$0 |
| Minimum finance charge: |
$0 |
| Minimum
payment: |
2.5% of the
total new balance or $25, whichever is greater. |
Over-the-credit-limit fee:
Late
payment fee:
Card replacement fee:
Cash advance fee::
Money orders and wire transfers: |
$24 per statement cycle
$25
$5
$5 minimum or 3% of the amount of the advance, but not more than $40.
$5 minimum or 3% of the amount of the advance, but not more than $40. |
The information provided was
accurate as of 1/2008. However, it is subject to
change. For current information call 800.842.0145, ext. 5101.
It's easy
to apply for a loan.
Stop
by any branch or
apply
online.
|
