Visa Credit Cards


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We know that there are countless options for credit cards out there, but it’s hard to find one with our low interest rate! Choose PFCU Visa, and shop with ease and comfort knowing that your card is secured at a rate as low as 9.50% APR*. Your card is protected by an EMV chip, which can be used online or at merchant point of sale, safely.


  • No annual fee
  • Low monthly payments
  • No cash-advance fee
  • No balance transfer fee
  • Personalized convenience checks
  • 24-hour card member service
  • Ready-cash at more than 600,000 ATMs worldwide
  • View your credit card balances and transaction history online, with eStatements
  • Transfer payments from your PFCU Savings or Checking Account
  • Securely pay for purchases using Apple, Google, Fitbit and Garman Pay
  • Add to your PFCU CardNav app for extra security and total card control

Or call member services at 727.586.4422 and they can walk you through your options.

Interest Rates and Interest Charges    
Annual percentage Rate (APR) for purchases 9.50% - 18.00% when you open your account, based on your creditworthiness
APR for Balance Transfers 9.50% - 18.00% when you open your account, based on your creditworthiness
APR for Cash Advances 9.50% - 18.00% when you open your account, based on your creditworthiness
Penalty for APR and When it Applies None
Paying Interest We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit Consumer Financial Protection Bureau website at
Annual Fee None
Transaction Fees  
Balance Transfer None
Interest Rates and Interest Charges  
Cash Advance None
Foreign Transaction 1%
Penalty Fees  
Late Payment $25 (Up to $25 per credit card account, if you do not make payment by the due date, not to exceed the required minimum payment)
Over-the-credit Limit $15
Returned Payment $27 each ($27 or the amount of your required minimum payment, whichever is less)
Card Replacement Fee $10 each
Rush/Overnight Credit or Debit Card Fee $30


*Annual Percentage Rate (APR). Actual rate based on credit history at account opening. The same qualifying rate applies to all classes of transactions. We begin charging interest on the transaction date. You can avoid paying interest by paying the entire balance in full by the due date each month. Call 727.586.4422, visit one of our branch locations.

Shared Secured Visa Credit Card

Are you a new borrower with no credit history or a borrower with past credit challenges? Ask about our Shared Secured Visa Credit Card. Responsible use and timely repayments can help build credit history and rebuild credit ratings.


Click for Credit Counseling Information

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