Christian Financial Credit Union Credit Cards

A debit card uses money directly from your checking account when you make a purchase. A credit card allows you to borrow up to your available credit limit and pay it back over time.

Yes, a credit card can help you build credit. Using your credit card responsibly by making payments on time and keeping balances manageable can help you build and maintain a healthy credit score.

APR, or Annual Percentage Rate, is the interest rate applied to unpaid balances on your credit card. If you don’t pay your balance in full by the due date, interest may be charged on the remaining amount. Understanding your APR can help you better manage your credit card and avoid unnecessary interest charges.

You can typically avoid interest charges on your credit card by paying your statement balance in full each month by the due date.

Applying for a credit card is Everyday Easy®. Apply online by clicking here, or stop by your local branch to get started. No matter which option you choose, a Financial Service Representative will be available to provide personalized guidance and answer any questions along the way.

No. Neither of the credit cards offered by CFCU has an annual fee, allowing you to enjoy the benefits of your card without an additional yearly cost.

Yes, you can transfer balances from other credit cards to a CFCU credit card. Unlike many other financial institutions, there is no fee to do a balance transfer with Christian Financial.

To complete a balance transfer, you will need to provide a copy of your most recent statement from the credit card issuer so we can verify the account information and balance.

Both CFCU credit cards come with valuable features, including digital card access, card management tools, balance transfer options, auto rental benefits, and fraud monitoring for added security – to name a few.

With the CFCU Visa Signature® Credit Card, you’ll enjoy even more benefits, including 1% cash back on all purchases, exclusive offers from participating retailers, access to the Cashback Mall, travel-related benefits, and purchase protection on eligible items. These added perks make the Visa Signature® Credit Card a great option for members looking to maximize the value of their everyday spending.

Cash Back rewards are available to members enrolled in the CFCU Visa Signature® Credit Card. Rewards can be redeemed as a statement credit to reduce your credit card balance or deposited directly into an eligible CFCU account.

The easiest way to pay your CFCU Visa® credit card is through Online Banking or the CFCU Mobile App, where you can transfer funds directly from a CFCU account or an account at another financial institution. If you need additional assistance, you can also make a payment by calling us or visiting a branch.

For added convenience, you can enroll in Auto Pay for your credit card. Choose to automatically pay either the minimum payment due or your full statement balance each month, making it easier to manage your account and stay on top of payments.