Credit Cards

More than just a piece of plastic in your wallet—or digital wallet—a Direct Visa® gives you a great low rate and cash back. Plus, it offers an unbeatable balance transfer offer to help you pay off your high-interest credit cards.
A person holding a card while typing on their laptop.

Visa® Credit Card—Your Flexible Spending Solution

Enjoy the convenience of making purchases on credit while enjoying competitive rates and a range of features tailored to enhance your financial experience.
  • No Balance Transfer fees
  • No Annual fee
  • 1% Cash Back on purchases3
  • Digital wallet-ready

Key Features

Balance Transfer

Transfer your balances and pay 0.00% APR for the first 6 months. After that, enjoy a competitive rate of just Prime Rate + 1.74%, until the transferred balance is paid in full. Limited-Time Offer.

Low Rates

Benefit from a market-leading rate for purchases and cash advances with credit lines up to $25,000 based on your creditworthiness.

Annual Cash Back

Earn 1% Cash Back on all your purchases, adding extra value to every transaction you make.

Credit Card Calculators

Navigate your financial journey with our helpful calculators. Easily estimate payments, savings, and more to make informed decisions.

See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate.

Do you want to pay down a credit card balance? Input the following information and we'll help you develop a payment plan to reach your goals.

Visa Credit Card (Consumer)

Account Type

To see the full table, scroll horizontally.
margin
APR1
First 6 Months
0.0000
0.0000
After 6 Months Prime +
0.0174
0.1024
Balance Transfers are 0% for 6 months and then Prime + 1.74% until the transferred balance is paid off.
To see the full set of data, scroll horizontally.
margin
APR2
As Low As Prime +
0.0574
0.1424
Maximum rate is 18%.
View Disclosures
Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 10.24%. The 10.24% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance.
Annual Percentage Rate (APR) based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% or 9.50% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index").
Cash Back applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Minimum of 5,000 points required for redemption. Rewards will be redeemed every November.

Services

Interested in a credit card?

Our relationship bankers are here to help you take the first step.
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Glossary

Annual Fee

Some lenders charge annual fees. It is a lump sum cardholders have to pay every year for certain credit cards.

Direct Federal does NOT charge an annual fee.

Annual Percentage Rate (APR)

The Annual Percentage Rate (APR) is the yearly interest rate that borrowers are charged on a sum of money. It is expressed as a percentage and represents the actual cost of funds over the term of a loan. This rate includes any fees or additional costs associated with the transaction but does not consider compounding. The APR is a helpful measure for consumers to compare among lenders as it provides a clear and standardized number.


Balance Transfer Fees

Direct Federal does NOT charge any balance transfer fees. Some lenders charge balance transfer fees. It is a fee that's charged when you transfer credit card debt from one card to another. It's typically around 3% to 5% of the total amount you transfer with a minimum fee, often $5 to $10.

Example: You currently have a credit balance of $10,000 you want to transfer to a new card and the new card's balance transfer fee ss 3%, it would be calculated as:

$10,000 Amount to be Transferred X 3% Balance Transfer Fee = $300 Your cost to transfer the balance to the new card.

However, if you transfer to a Direct Federal card, it would cost you $0 to transfer the balance.

Balance Transfer Rate

The rate for a transferred balance. Direct Federal offers 0.00% APR for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, until the transferred balance is paid in full.

Cash Advance Rate

The withdrawal of cash from your credit card. Some vendors use a separate rate for Cash Advances.

Direct Federal's Cash Advance Rate is the same as the Purchase Rate and we do not charge a cash advance fee.

Index

Measure of interest rates generally that reflects trends in the overall economy. Different lenders use different indexes in their loans. Direct Federal uses The Wall Street Journal Prime Rate as posted on the last business day of the month.

Margin

Percentage that a lender adds to their index. Direct Federal calculates Credit Card rates using The Wall Street Journal Prime Rate (the index) plus a margin of 5.74%, 8.74% or 9.50% based on your creditworthiness.

Maximum Rate

The highest rate for a variable rate loan. At Direct Federal, the maximum rate is 18% APR.

Not-for-Profit

Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

Purchase Rate

The Purchase Rate is applied to regular purchases made with a credit card. The purchase rate is applied to any unpaid purchase balances at the end of the billing cycle.

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Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.
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How can I check the status of an application?

If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.

Check Status as a Member >


If you are not a member, please visit our Application Status Center.

Check Application Status >

Where can I find my credit card reward points?

You can locate your credit card reward points balance on your credit card statement. You can access this statement within Digital Banking.

View credit card statement >

Reminder
Rewards will be processed annually in November and a check will automatically be mailed to you. Minimum of 5,000 points required for redemption.

How can I pay my bill?

We offer a variety of options to pay a Direct Federal Loan or Line of Credit.

View payment options for Direct Federal Loans and Lines >

How can I increase my credit limit?

You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.

Apply for a Home Equity Line increase >

Submit Credit Card Limit increase request >

Is there a credit card cash advance fee?

There is no cash advance fee.

Is there a credit card over limit fee?

There is no over limit fees.

Is there a credit card annual fee?

There is no annual fee.

Is there a credit card foreign transaction fee?

1% of each transaction in US dollars.

Is there a balance transfer fee for credit cards?

There are no balance transfer fees.

How do the credit card rewards work?

Cash Back rewards applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Rewards will be processed annually in November and a check will automatically be mailed to you. Minimum of 5,000 points required for redemption.

Can my card be added to a digital wallet?

Yes, Direct Federal debit and credit cards can be added to Apple Pay, Google Pay, and Samsung Pay.

How do you calculate my credit card balance?

We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

Visa Credit Card Agreement (Consumer)

How do I transfer a balance to my credit card?

Log in to Online Banking or our Mobile App Hover over Menu item "Tools"Select "Card Management"Select your Visa Credit Card. Select "Balance Transfer", input Card Issuer Details and Submit!

Transfer Balance Now >

What are my credit card billing rights?

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

Visa Credit Card Agreement (Consumer)

Can I pay my Direct Federal Visa® bill online?

Yes. You may pay your Direct Federal Visa bill online using any checking account.

View Payment Options

What is the "normal" interest rate on a Direct Federal Visa®?

Rates vary based on your creditworthiness. The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

How long will it take to receive my Direct Federal Visa® card?

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

What is the credit limit on a Direct Federal Visa®?

You can apply for a credit limit of up to $25,000.

How can I get cash advances using my Direct Federal Visa®?

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network. You can also transfer cash advance funds from your credit card to a Direct Federal savings, checking, or money market account. Direct does not charge a cash advance fee.

Are there any fees associated with my Direct Federal Visa®?

If your payments are on time, there are no fees.

Visa Credit Card Agreement (Consumer)

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