Credit Cards
At BCU, we believe in using credit wisely, and are pleased to announce a new relationship with Elan Financial Services that will give members access, choice and opportunity to do just that.
Starting May 1, you will see more information on this page outlining this new relationship and connecting you to new, exciting options.
If you are a current BCU cardholder, thank you! Please be aware you can continue to: '
- View your card activity through online and mobile banking
- Spend securely with CardValet®, the mobile app that lets you turn your cards on and off, receive alerts whenever your cards are used, and establish transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations.
If you have any questions between now and May 1, please contact our office at 715-359-7012.
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of 2-8-2025. You can contact us toll free at 855-359-7012 to inquire if any changes occurred since the effective date.
| INTEREST RATES and INTEREST CHARGES: | |||
| VISA CLASSIC | VISA PLATINUM | VISA GOLD | |
| Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers | 15.74% This APR will vary with the market based on the Prime Rate. | 13.15% This APR will vary with the market based on the Prime Rate. | 17.15% This APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the date the Cash Advance or Balance Transfer is posted to your account. | ||
| 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 the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore | ||
| Fees: | |
| Fees to Open or Maintain your Account | |
| Annual Fee: | None |
| Application Fee: | None |
| Transaction Fees | |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 2% of each transaction in U.S. dollars if the transaction involves a currency conversion 2% of each transaction in U.S. dollars if the transaction does not involve a currency conversion |
| Penalty Fees | |
| Late Payment: | Up to $25.00 if your payment is late 10 days or more |
| Over-the-Credit Limit: | None |
| Returned Payment: | Up to $25.00 if your payment is returned for any reason |
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Statement Copy Fee: $10.00
Rush Fee: $35.00
Emergency Replacement Fee: $150.00
Card Replacement Fee: $10.00