The Student Credit Card is ideal for members between the ages of 18 and 28 who are establishing credit for the first time and learning to manage their personal finances. Successfully maintaining a credit card account can help college students and young adults create the beginnings of a strong financial future.

The card offers basic benefits with a low rate, and no annual fee. In addition, cardholders enjoy the convenience and flexibility offered by all UNFCU VISA Credit Cards.

Exceptional Value

World-Class Travel Rewards and Benefits

Convenience and Flexibility

Security You Can Depend On

¹ For qualified members. Credit limits may vary based on credit history of card applicant.

² UNFCU credit cardholders must enroll in the program. The 60 days complimentary period is only available to members who enroll in the card-based life program. Automated credit card billing will commence after the 61st day. A UNFCU VISA credit card will be required for payment. Payments will be automatically deducted from your UNFCU credit card every month. To cancel payments, members will need to contact Clements Worldwide at 1 800-872-0067 (toll-free US and Canada) or +1 202-741-1512.

³ With your credit card, you are not responsible for unauthorized merchant transactions that are reported promptly (no later than 60 days after the statement date on which they appear). If your card (or card number) is ever lost or stolen, you are protected against unauthorized purchases. You must report your missing credit card immediately or notify us as soon as you detect any unauthorized activity. UNFCU reserves the right to not issue or re-issue your credit card if two (2) instances of fraud on any of your accounts were reported within a period of three (3) years, or if you fail to report a lost or stolen card in a timely manner.

⁴This product is optional - Whether or not you purchase Credit Disability Debt Protection will not affect your application for credit or the terms of existing credit agreements you may have with UNFCU. Certain exclusions, benefit maximums, retirement eligibility and limitations do apply. Please review all of this information carefully within the Credit Disability Debt Protection Disclosures and Agreements before applying.

The Classic Credit Card is ideal for members establishing credit for the first time, or for those interested in basic card benefits with a low rate and no annual fee. Cardholders enjoy the convenience and flexibility offered by all UNFCU VISA Credit Cards.

Exceptional Value

World-Class Travel Rewards and Benefits

Convenience and Flexibility

Security You Can Depend On

¹ For qualified members. Credit limits may vary based on credit history of card applicant.

² UNFCU credit cardholders must enroll in the program. The 60 days complimentary period is only available to members who enroll in the card-based life program. Automated credit card billing will commence after the 61st day. A UNFCU VISA credit card will be required for payment. Payments will be automatically deducted from your UNFCU credit card every month. To cancel payments, members will need to contact Clements Worldwide at 1 800-872-0067 (toll-free US and Canada) or +1 202-741-1512.

³ With your credit card, you are not responsible for unauthorized merchant transactions that are reported promptly (no later than 60 days after the statement date on which they appear). If your card (or card number) is ever lost or stolen, you are protected against unauthorized purchases. You must report your missing credit card immediately or notify us as soon as you detect any unauthorized activity. UNFCU reserves the right to not issue or re-issue your credit card if two (2) instances of fraud on any of your accounts were reported within a period of three (3) years, or if you fail to report a lost or stolen card in a timely manner.

⁴This product is optional - Whether or not you purchase Credit Disability Debt Protection will not affect your application for credit or the terms of existing credit agreements you may have with UNFCU. Certain exclusions, benefit maximums, retirement eligibility and limitations do apply. Please review all of this information carefully within the Credit Disability Debt Protection Disclosures and Agreements before applying.

The Gold Credit Card is perfect for members interested in additional benefits such as a credit limit of up to 50,000 USD, identity theft protection, and travel accident insurance of up to 250,000 USD, all at No Annual Fee.

Exceptional Value

World-Class Travel Rewards and Benefits

Convenience and Flexibility

Security You Can Depend On

Plus Exclusive Benefits for VISA Gold Card members

¹ For qualified members. Credit limits may vary based on credit history of card applicant.

² UNFCU credit cardholders must enroll in the program. The 60 days complimentary period is only available to members who enroll in the card-based life program. Automated credit card billing will commence after the 61st day. A UNFCU VISA credit card will be required for payment. Payments will be automatically deducted from your UNFCU credit card every month. To cancel payments, members will need to contact Clements Worldwide at 1 800-872-0067 (toll-free US and Canada) or +1 202-741-1512. Must be a VISA Elite credit cardholder to receive the USD 1,000,000 term life coverage. USD 750,000 coverage also available. Upgrading to a VISA Elite credit card will depend on your credit worthiness. A minimum gross household income of USD 75,000 is required to qualify for an Elite credit card.

³ With your credit card, you are not responsible for unauthorized merchant transactions that are reported promptly (no later than 60 days after the statement date on which they appear). If your card (or card number) is ever lost or stolen, you are protected against unauthorized purchases. You must report your missing credit card immediately or notify us as soon as you detect any unauthorized activity. UNFCU reserves the right to not issue or re-issue your credit card if two (2) instances of fraud on any of your accounts were reported within a period of three (3) years, or if you fail to report a lost or stolen card in a timely manner.

⁴This product is optional - Whether or not you purchase Credit Disability Debt Protection will not affect your application for credit or the terms of existing credit agreements you may have with UNFCU. Certain exclusions, benefit maximums, retirement eligibility and limitations do apply. Please review all of this information carefully within the Credit Disability Debt Protection Disclosures and Agreements before applying.

The Elite Credit Card¹ provides a premium level of travel privileges, purchasing power, convenience, and insurance protection. Cardholders enjoy Chip and PIN technology, low interest rates, a credit limit of up to 100,000 USD², worldwide VIP airport lounge access³ and concierge service, as well as exclusive benefits.

World-Class Travel Rewards and Benefits

Convenience and Flexibility

Security You Can Depend On

Plus Exclusive Benefits for VISA Elite Card Members

¹ A minimum gross household income of 75,000 USD is required to qualify for a Elite credit card.

² This credit limit may vary according to your creditworthiness.

³ Upon Elite approval, you will receive a LOUNGE CLUB™ card shortly. LOUNGE CLUB™ cards allow access to over 350 VIP lounges worldwide. UNFCU will pay for up to four (4) LOUNGE CLUB™ lounge visits per year per VISA Elite account. For details pertaining to VIP lounges, please visit www.loungeclub.com.

⁴ Must be a VISA Elite credit cardholder to receive the USD 1,000,000 term life coverage. UNFCU credit cardholders must enroll in the Clements card-based Term Life program. The 60 days complimentary period is only available to members who enroll in the card-based life program. Automated credit card billing will commence after the 61st day. A UNFCU VISA credit card will be required for payment. Payments will be automatically deducted from your UNFCU credit card every month. To cancel payments, members will need to contact Clements Worldwide at 1 800-872-0067 (toll-free US and Canada) or +1 202-872-0063.

⁵ Eligible purchases must be made at merchants identified by VISA that are within the supermarkets or dining category. Eligible purchases are charges to your account for goods and services that have not been returned or otherwise credited to your account. Special double points offer is also subject to change.

⁶ The cardholder must charge the entire amount of the scheduled airline fare to their VISA Elite credit card. Covered reasons of the insured person must be caused by or result from: Death, accidental injury, disease, or physical illness of the insured person or an immediate family member of the insured person (death, accidental injury, disease, or physical illness must be verified by a physician and must prevent the insured person from traveling on a covered trip) Default of the scheduled airline resulting from financial insolvency.

Your trip interruption and cancellation insurance becomes effective on the latest of: the effective date of the policy, the date on which you first meet the eligibility criteria as the Insured Person, or the beginning of the period for which required premium is paid for You. Insurance for You automatically terminates on the earliest of: the termination date of this policy, the expiration of the period for which required premium has been paid for You, the date on which You no longer meet the eligibility criteria as the Insured Person, or the date on which the Federal Insurance Company pays out 100% of the Loss of Life Benefit Amount. Answers to specific questions can be obtained by writing Federal Insurance Company, a member insurer of the Chubb Group/Plan Administrator: CBSI Enhancement Services 550 Mamaroneck Avenue, Suite 309 Harrison, NY 10528.

The benefits and travel insurance described within this communication piece explain the general purpose of each, but in no way changes or affects the actual terms and conditions of the policy. In the event of discrepancy between this communication piece and the actual terms and conditions of the policy, the policy will apply. The benefits mentioned within this communication piece will not apply to VISA cardholders whose accounts have been suspended or canceled. The terms and conditions of earning reward points and covered insurance services may be modified by subsequent endorsements.

⁷ With your Elite Card, you are not responsible for unauthorized merchant transactions that are reported promptly (no later than 60 days after the statement date on which they appear). If your card (or card number) is ever lost or stolen, you are protected against unauthorized purchases. You must report your missing credit card immediately or notify us as soon as you detect any unauthorized activity. UNFCU reserves the right to not issue or re-issue your credit card if two (2) instances of fraud on any of your accounts were reported within a period of three (3) years, or if you fail to report a lost or stolen card in a timely manner.

⁸ Chip and PIN also known as EMV is an international standard replacing the magnetic stripe on bank cards in payment transactions. Most countries implementing smart bank cards require the use of a Personal Identification Number (PIN) in each transaction, which is why chip and PIN is often used to refer to EMV implementation programs. The card can be used both with a magstripe (same as before) and the chip, ensuring that both US and non-US merchants will be capable of accepting the card. PIN transactions are more secure than those requiring a signature, and protect you against fraud. Please note that cash advances are also PIN-based transactions that are subject to finance charges from the transaction date. Making a purchase using your PIN is not considered a cash advance and will not incur interest or finance charges if you pay your balance in full by the due date.

⁹This product is optional - Whether or not you purchase Credit Disability Debt Protection will not affect your application for credit or the terms of existing credit agreements you may have with UNFCU. Certain exclusions, benefit maximums, retirement eligibility and limitations do apply. Please review all of this information carefully within the Credit Disability Debt Protection Disclosures and Agreements before applying.