Must be a Redstone Federal Credit Union (RFCU) member to obtain a loan. Must be eligible for membership and open a share savings account to join RFCU. $5 minimum balance is required to open and must be maintained in share savings account at all times. All annual percentage rates (APRs) are based on creditworthiness at account opening. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.
Must have online banking and PIN/password to access online application.1As of , the annual percentage rates (APR) for variable rate products are as low as % Variable - % (Visa Signature), as low as % Variable - % (Visa Traditional), and as low as % Variable (Visa Traditional Share Secured).
Variable APRs will vary with the U.S. Prime Rate. The Visa Traditional (Fixed) APR is % Fixed and is fixed for the term of the loan.
2You will receive 30,000 MyChoice Rewards bonus points when you spend $3000. To qualify and receive the bonus MyChoice Rewards points, you must charge the qualifying amount or more in purchases (minus returns, credits, and adjustments) within the first 90 days from account opening (promotional period), using your Redstone Visa Signature credit card. The bonus MyChoice Rewards points do not apply to balance transfers, credit card checks, or overdrafts. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus MyChoice Rewards points fulfillment. Allow 45 days after promotional period has ended for bonus MyChoice Rewards points to post to your account. Promotional offers are included in the calculation. 3Redstone’s *MyChoice Rewards points are earned for qualified transactions made with the participating card. Points are rewarded to the primary member on the account, are nontransferable, and are subject to expiration and spending caps. Purchases over the spending cap will earn reduced rewards. To be eligible to receive points, the account must remain open. Rewards are only earned on eligible net purchases: the sum of eligible purchase transactions minus returns and refunds. Promotional offers are included in the calculation. Rewards are not earned for ATM, cash advance, or balance transfer transactions. Additional terms and conditions apply. For more information, view the MyChoice Rewards Terms and Conditions and the FAQs in online banking.
IMPORTANT INFORMATION ABOUT THE BALANCE TRANSFER OFFER
4Visa Signature:
Promotional Period for Introductory APR – Visa Signature:The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on a Redstone Federal Credit Union loan or credit card account are not eligible for the Introductory APR for balance transfers. Important Information about ‘Grace Period’ for the Introductory Balance Transfers Offer for Visa Signature: Balance Transfer 0% Introductory APR Offer: Finance charges will accrue at the 0% promotional APR for Balance Transfers during the six-month promotional period. After the promotional period, finance charges will begin to accrue at the then standard variable APR for any remaining balances. Cardholders may accrue finance charges at the standard variable rate for Balance Transfers posted to the account after 30 days of an account opening date (non-qualified Balance Transfers), if they do not pay their entire balance off each month.
5Visa Traditional Variable, Visa Traditional Secured, Visa Traditional Non-Variable:
IMPORTANT INFORMATION ABOUT THE PURCHASE AND BALANCE TRANSFER INTRODUCTORY OFFERS
Promotional Period for Introductory APR – Visa Traditional Variable, Visa Traditional Secure, Visa Traditional Non-variable: The Introductory APR for purchases will apply to transactions posted to your account during the first six months following the opening of your account.The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on RFCU loan or credit card accounts are not eligible for the Introductory APR on balance transfers.
6Benefits offered by Visa USA. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Refer to Visa's Guide to Benefits for more details. RFCU and Visa USA are separate entities. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by Visa USA. ID Navigator Powered by NortonLifeLock: No one can prevent identity theft. Redstone Discounts! are provided by participating merchants. Must use an RFCU debit or credit card to receive Redstone Discounts! RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants.
