Visa Credit Cards

1. APR = Annual Percentage Rate. The 3.99% APR introductory rate is a promotional rate. It is applied for 6 billing cycles from the time of the first purchase or balance transfer made within the first 90 days of the card open date unless the account becomes delinquent and/or over the limit. If the account becomes delinquent and/or over the limit before the 6 billing cycle period, the rate will then be changed to the standard VISA card rate between 8.25 - 18.00% APR based on your creditworthiness. CSE Federal Credit Union maintains the right not to open any CSE Visa Card account if: a) the information provided is incomplete, inaccurate or cannot be verified, b) if the member does not meet CSE FCU’s standard for creditworthiness, or c) member’s name and/or mailing address have been altered. This offer is a limited time offer and can be changed or discontinued without notice.

2. Double Points are good for any purchase made within the first 90 days after the card open date. Balance Transfers and Cash Advances are not eligible for Double Points.

3. Gas Stations + EV Charging purchases include those made at merchants classified as places that sell automotive gasoline or electric vehicle charging that can be bought at the pump or inside the station using the following merchant category codes (MCCs): 5541, 5542 and 5552. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible.
Grocery purchases include those made at merchants classified as grocery stores, supermarkets, specialty markets, convenience stores, bakeries, and candy stores using the following merchant category codes (MCCs): 5411, 5499, 5462 and 5441.
Bonus Rewards will be calculated after all purchases and returns are processed daily and will be added to your MORe Rewards points balance the next business day, excluding Sundays and Federal Holidays.

* Any existing CSE Visa credit cardholder, opened 10/19/2022 or before, is subject to the previous rate structure and should contact us or refer to their billing statement for your applicable rate. In the event an existing cardholder with the previous rate structure makes a change to the account, including but not limited to, an approved limit increase request or adding authorized user(s) or co-borrowers, your card may be subject to the new rate structure based on your current creditworthiness at the time of the change. Any CSE Visa credit card opened 10/20/22 and beyond will be subject to the new rate structure reflected above.

4. APR = Annual Percentage Rate. 0.00% Promotional APR is for 12 months with a 3.00% fee or $10.00, whichever is greater. Promotional APR is good only on balance transfers made from August 20th through October 19th, 2024 by new or existing cardholders. The promotional rate of 0.00% APR is applied for 12 consecutive billing cycles from the date of the balance transfer unless the account becomes delinquent and/or over the limit. After the 12 billing cycles, the 0.00% Promotional Rate will revert back to the standard fixed rate for purchases and/or balance transfers between 8.25% APR and 18.00% APR depending on your creditworthiness at the time of account opening. This offer is a limited time offer and can be changed or discontinued without notice. Balance Transfers cannot be used to pay existing CSE Federal Credit Union debts.

Balance Transfers will be treated as a cash advance. Transfers are processed upon their receipt. Please continue to make payments on your credit cards until you have received confirmation of completion. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). The credit union is not responsible for any remaining balance or additional charges with regard to such account, or for any charges resulting in any delay in the payment and transfer of balances. The total amount(s) paid and transferred cannot exceed your credit line. The credit union reserves the right to refuse any balance transfer request. Balance Transfers cannot be used to pay other CSE Federal Credit Union debts.

MORe Rewards Points earned using CSE Debit and Credit Cards expire 3 years after issuance. Points that expire will no longer be redeemable. You can view your current rewards balance and expiration dates for points by using the 'MORe Rewards' link inside eBranch and clicking on My Account Statement in the My Account dropdown.

Subject to credit approval.

Applying for a loan or credit card product may result in a credit inquiry and the applicants credit score may be impacted.

Upon submitting a loan application, applicants may be required to provide additional documentation to complete the review process. This may include, but is not limited to, one or more of the following: Proof of Income, Recent Credit Card Statements, Verification of Employment, Bank Statements, Proof of Residency or, Housing Documentation.

Fees associated with CSE Visa Card:
•Foreign Transaction - 1% of each transaction in U.S. Dollars
•Currency Conversion - 1% of each transaction in U.S. Dollars

The information about the costs of the Visa card described on this webpage is accurate as of November 2024. This information may have changed after that date. To find out what may have changed, call us at 330.452.9801 or write to us at 4101 Shuffel St NW, North Canton, OH 44720.

There are costs associated with the use of this card. To obtain information about these costs, call us at 330.452.9801 or write to us at 4101 Shuffel St NW, North Canton, OH 44720.