Business Credit Cards

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	Visa® Platinum	Visa® Classic
Interest Rate	Prime Rate + 3.99% APR1	As low as 11.90% APR2
Core Benefits	1% cash back on all purchases No cash back on cash advances or balance transfers.	Low interest rate
	Surcharge-Free ATMs Withdraw money from over 42,000 surcharge-free ATMs on participating ATM networks nationwide
	Buy Local Spend Local A local business rewards program where your debit or credit card purchase from participating businesses could be reimbursed
	Mobile Wallet Pay with your phone by connecting your FCCU debit or credit card to Google Pay, Apple Pay, or Samsung Pay
	Toggle On/Off Lose or misplace your debit card? Toggle your card on and off within online and mobile banking
Fees	Annual Fee
	None	None
	Minimum Finance Charge
	None	None
	Transaction Fee for Purchases
	None	None
	Balance Transfer Fee
	None	None
	Over-Credit-Limit Fee
	None	None
	Late Payment Fee
	$10 APR changes to Prime Rate + 8% if payment is 60 days past due. Requires minimum Empirica credit score of 680+.	$10
Grace Period for Purchases	25 Days	25 Days
Method of Computing Balance for Purchases	Average daily balance (including new purchases)	Average daily balance (including new purchases)

Need to report your credit card lost or stolen?

Call 1-(800) 654-7728.

Traveling soon?

To protect your account, transactions on your credit card are monitored for suspicious activity— including locations that vary from your normal purchasing areas. To avoid declined transactions while traveling, please complete a Member Travel Notice or give us a call at (920) 563-7305 to let us know.

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The Consumer Financial Protection Bureau loosely defines a payday loan as a “high cost loan, generally for $500 or less, that is typically due on your next payday.” Payday lenders often operate from convenient storefronts, whose lobbies mimic the look and feel of a fast-food restaurant, touting low to no credit requirements and quick payouts.

Many states have outlawed payday lending, as it is widely considered to be predatory. However, payday lending remains legal in Wisconsin, with some loans reaching up to 574% APR* (yes, you read that right) according to USStatesLoans.org (*APR is Annual Percentage Rate).

Historically, credit unions like FCCU have been a great alternative to payday lenders, offering small dollar loans at reasonable rates with relatively quick payouts for members with low to no credit— All the benefits of a payday loan with the backing of a trusted loan team who want to put you in a better financial position than when they met you.

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Worried about getting charged a fee for using an ATM? Worry no more! We’ve partnered with the Alliance One and MoneyPass^® ATM networks to bring you access to over 42,000 surcharge-free ATMs nationwide.

To locate a surcharge-free ATM near you, use the Alliance One Web Locator, MoneyPass Web Locator, or download the Alliance One ATM Locator mobile app by clicking the links below.