MasterCard©Debit Card
Our free debit card is a convenient way to pay for goods and services anywhere that MasterCard tm is accepted. It can also be used to access cash at ATMs, but we recommend that when you are making a purchase and a merchant gives you the option of cash back—you say “yes” and avoid ATM fees. You must have a checking account with the credit union to access the debit card. Account balances are updated each morning during the week. But if you make a shared branch deposit or transfer on line during the day, be sure to call us so the available balance on the debit card can be immediately updated.
You can obtain a cash advance for both VISA and MasterCard at both credit union branches.
VISA©Credit Card
Our VISA card offers an annual percentage rate of 12.9% fixed for both purchases and cash advances, a 25 day grace period for repayment of balances for purchases and an annual fee of only $12.00. No finance charge occurs if your balance is paid in full by the 28th of the month. You can make your VISA payments at the credit union or transfer on-line through home banking and it will be posted to your account on the same day. VISA cards can also be attached to a checking account as an overdraft line of credit. You can access your current transactions through on-line banking or by calling the credit union.
For on-line access to your credit card information, go to smfcu.org and log into ItsMe247.
