CORE Federal Credit Union VISA

CORE VISA CARDS

VISA Classic
Credit Card Agreement

VISA Platinum
Credit Card Agreement

Student VISA
Credit Card Agreement

Our VISA cards offer exceptional benefits and include some of the most competitive terms you'll find anywhere! In addition, every dollar charged to your ESMNS VISA earns you a ScoreCard point. These points can be traded for merchandise or gift certificates. You can also obtain travel discounts when you book through the ScoreCard Travel Center! Other benefits include:

our lower rate of only 11.9% APR* for new purchases and 12.5% APR* for cash advances
no annual fee
25-day grace period
no penalty for members who pay in full each month
no per transaction fees
cash advances
worldwide merchant acceptance
24 Hour Credit Card Information
VISA Scorecard Rewards

CORE is proud to introduce our new VISA Platinum card. It has a low fixed interest rate of 8.9% APR, along with larger credit lines for members who want the convience of a single, high level credit card to use for all of their purchasing.

As an added bonus all VISA Platinum cards will receive a special 5.9% APR balance transfer rate for the first 6 billing cycles the card is open, to allow members to save even more when they transfer balances from other higher rate credit cards.

The Platinum card has other benefits such as free travel accident insurance and an enhanced Scorecard rewards program, where points can be redeemed for valuable prizes and air travel more quickly than standard Scorecard rewards programs.

Like our VISA Classic card, members will have a generous 3 to 4 year time frame to redeem their Scorecard points.

VISA Classic members who qualify may apply to be upgraded to Platinum and your current Scorecard points will be transferred to your new Platinum card.

The card that offers The Solution....
and for less.

Your credit union Visa provides you with a special student rate for 2 years, when you need it the most. Compare our rates with those charged by other cards.

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

Convenience and Accessibility:

Enjoy the peace of mind knowing you can get cash 24-7. Your Visa accesses thousands of ATM's displaying the Visa logo. Cash advances are available at financial institutions throughout the Visa Global Network.

*APR means Annual Percentage Rate

If you have other credit cards charging higher rates and annual fees without giving you the benefits or points of an CORE VISA, transfer these balances to your CORE Federal Credit Union VISA card. We'll even make out the check and close your old account for you. Why not Apply Today!

VISA Disclosures
	VISA Classic	VISA Platinum	Student VISA
Annual Percentage Rate (APR) For Purchases	11.90%	8.90%	6.9% (for the first 2 years)
Other APR's	Balance Transfer 12.50% Cash Advance 12.50%	(Special Balance Transfer APR 5.90% for 1st 6 billing cycles) Cash Advance 8.90%	N/A
Variable Rate Information	N/A	N/A	N/A
Grace Period for Repayment of the Balance for Purchases	25 days	25 days	25 days
Method of Computing the Balance for Purchases	Average Daily Balance Excluding New Purchases	Average Daily Balance Excluding New Purchases	Average Daily Balance Excluding New Purchases
Annual Fee	None	None	None
Minimum Finance Charge	None	None	None
Transaction Fee for Purchases	None	None	None
Transaction Fee for Cash Advance	None	None	None
Over the Credit Limit Fee	None	None	None
Late Payment Fee	$25.00	$25.00	$25.00
New York residents may contact the New York State banking department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-522-3330.