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(1-877-463-7828)

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Credit Card
Know Your Credit Score - Find out more.

Our credit cards are designed to "fit your lifestyle"!

FSU Credit Union's cards are among the most competitive in the market today. And now online credit card access puts you in touch with information and services that help make your Florida State University Credit Union credit card convenient and easier to manage than ever before. Compare below!


All FSUCU credit cards are risk-based which means that your interest rate will vary depending on your credit score. Semiannually, we will have credit scores pulled into our credit card system and your rate may change based on what your credit score is at that point.


Great News! You asked and we listened. Members requested the ability to earn rewards on their FSUCU credit cards and we now offer a Visa Signature Reward Card!

EMV Chip Enhanced Cards Coming Soon! Click here to learn more.


Standard MasterCard

10.95% APR to 18.00% APR*

  • No annual fee
  • 25-day grace period on purchases
  • 24-hour toll-free member service
  • Cash advance access at ATMs worldwide
  • *Annual Percentage Rate
  • Agreement and Disclosure Statement

Platinum VISA

7.95% APR to 18.00% APR*

  • No annual fee
  • 25-day grace period on purchases
  • 24-hour toll-free member service
  • Cash advance access at ATMs worldwide
  • Travel/Accident Insurance
  • *Annual Percentage Rate
  • Agreement and Disclosure Statement



Visa Signature Rewards

12.95% APR to 18.00% APR*

  • No annual fee
  • 25-day grace period on purchases
  • 24-hour toll-free member service
  • Cash advance access at ATMs worldwide
  • *Annual Percentage Rate
  • Agreement and Disclosure Statement

1

1

1

  • Earn one point for every dollar you spend.
  • Visa Zero Liability
  • Travel Insurance
  • Auto Rental Insurance
  • Exclusive Visa Signature Concierge Service available 24/7
  • Online Reward Store

Credit Card:

Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 7.95% to 18.00% based on your creditworthiness for a Visa Platinum.

10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.

12.95% to 18.00% based on your creditworthiness for a Visa Signature Reward.

APR for Balance Transfers

7.95% to 18.00% based on your creditworthiness for a Visa Platinum.

10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.

12.95% to 18.00% based on your creditworthiness for a Visa Signature.
APR for Cash Advances 7.95% to 18.00% based on your creditworthiness for a Visa Platinum.
10.95% to 18.00% based on your creditworthiness for a Classic or Standard MasterCard.
12.95% to 18.00% based on your creditworthiness for a Visa Signature Reward.
Minimum Interest Charge None.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
Fees
Set-up and Maintenance Fees
  • Annual Fee
  • None
  • Application Fee
  • None
  • Participation Fee
  • None
    Transaction Fees
  • Balance Transfer Fee
  • None.
  • Cash Advance Fee
  • None
  • Foreign Transaction Fee
  • 1.00% of each single and multiple currency transaction in U.S. dollars
  • Transaction Fee for Purchases
  • None
    Penalty Fees
  • Late Payment Fee
  • Your minimum monthly payment or $25, whichever is less (if over 5 days late)
  • Over-the-Credit-Limit Fee
  • None
  • Returned Payment Fee
  • Your minimum monthly payment or $25, whichever is less

    How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

    Effective Date. The information about the costs of the card described in this application is accurate as of January 1, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

    OTHER DISCLOSURES
    Rush Fee $25.00
    Card Replacement Fee $10.00 for first replacement; $25.00 for second replacement; $50.00 for third replacement


    Apply for a FSUCU Credit Card Now

    Protect your VISA card or MasterCard online with a personal password.

    Verified by Visa and MasterCard protects your existing Visa card or MasterCard with a personal password, giving you reassurance that only you can use your Visa card online. Click on the link to the right to register your VISA or MasterCard. Once your card is activated, your card number will be recognized whenever you purchase at participating online stores. You'll enter your password in the Verified by Visa window, your identity will be verified, and the transaction will be completed. In stores that are not yet participating in Verified by Visa or MasterCard, your Visa card or MasterCard will continue to work as usual.

    ID Theft Coach Verified by Visa  Mastercard Secure Code

    Traveling abroad? Important news about your FSUCU credit/debit card


    Credit Card Contacts

    Lost/Stolen: 800-449-7728
    Customer Service: 800-654-7728

    MasterCard/VISA Payment Center
    P.O. Box 96099
    Charlotte, NC 28296-0099

    Whether you are shopping around for the perfect certificate or are just looking for a new checking account, we have the options that you want. We specialize in creating accounts that meet your individual needs.
    Are you ready to get a great rate on that perfect new or used vehicle? Well you have come to the right place because we create value for our members through our innovative loan products. We also offer great rates on our mortgage products.
    With electronic services like Internet Banking, ATMs, touch-tone phone services, and debit cards you're able to access your Florida State University Credit Union account anytime -- 24-hours a day, 7 days a week -- to view cleared checks, transfer funds between accounts, reorder checks, make loan payments, receive cash, and much more.
    Links to third party websites from this Website are provided for information only and solely for your convenience. FSUCU has no control over these third party websites and accepts no responsibility in relation to any content, material or information contained in or accessed from them. You are advised to verify any information on such third party website before relying on it. FSUCU does not endorse, or make any representations about these third party websites, or any material found there.