Overview
What good are perks and rewards if they come with ridiculous fees? With a Visa® Classic Credit Card, you can build your credit at an annual percentage rate of just 10.5%* and no annual fee, so you can spend more on the things you love. Plus, Visa protection is always looking out for you 24/7 for even more peace of mind.
Local Servicing
Peace of mind? Check!
We issue our Visa® Credit Cards right here at home, and we back them with our full support wherever you go. If you ever need help with your account, just give us a call!
Competitive Rates
Pay less and reduce the stress
Paying off credit card debt can come with a lot of stress, but it doesn't have to. With a Visa® Classic Credit Card, you can enjoy a non-variable annual percentage rate of just 10.5%* to lower your monthly payments and leave more in your savings.
24/7 Card Care Center
We're always just a call away
Call us any time and select the option for Card Services and Travel Notifications.
Skip a Pay
One Skip Pay per year
Need extra cash? Skip your payment for a $25 fee, so you can free up money for other important things.
Rates
View all RatesHelpful, friendly staff. Been banking here since 2013. They helped me when times were tough.
Why Choose Us?
We’re kind of like a family, only we’re a credit union
A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.
Better rates + low fees = happy members
When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.
In person, virtual, or online
We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!
Your home is our home, so we like to keep it nice
We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.
Ditch the fees for a more affordable credit card experience
At 10.5% APR* and no annual fees, the Visa® Classic Credit Card is designed to help you make purchases on the go and build your credit without the stress.
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*Annual Percentage Rate effective 1/1/22 and subject to change.
All Rates
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
Revolving |
$20,000 |
10.50% |
*Annual Percentage Rates effective September 19, 2024 and subject to change without notice.
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
Revolving |
$30,000 |
8.90% |
*Annual Percentage Rates effective September 19, 2024 and subject to change without notice.
| Fees | Details |
|---|---|
|
Grace Period for Purchases |
You have one billing cycle (average 30 days) from the closing date of the statement to repay your balance for purchases before being charged a finance charge. |
|
Grace Period for Cash Advances |
There is no grace period for Cash Advances. Finance charges start accruing from the date of the transaction. |
|
Annual Percentage Rate/Periodic Rate |
10.5% Annual Percentage Rate/.028767% Periodic Rate |
|
Balance Calculation Method for Finance Charges |
Average Daily Balance (including current transactions) |
|
Membership Fees |
No Annual Membership Fee |
|
Late Payment Fees |
Up to $20 |
|
Card Replacement Fee |
$10 |
|
Returned Check Fee |
$15 |
|
Transaction Copy Retrieval |
$20 |
|
Telecommunications Charges |
Any fees assessed for international authorizations obtained by telephone, fax, telex, and cable will be passed onto the cardholder in the form of a fee. |
More Features
Get cash back at 1.8 million ATMs
Any ATM with the PLUS logo - over 200 countries and territories around the world.
No Annual Fee
Have more to spend on the things you want without paying unnecessary fees.
Competitive Rates
Avoid surprises with no-nonsense, low, predictable rates that won't change over time.
24/7 Card Care Center Asssistance
All the support, all the time. Get 24/7 Card Care Center Assistance to answer any questions, day or night.
Fibre Card Manager
Always be in the know by setting card notifications, spending limits, and travel updates right from your Mobile Banking app 24/7.
No Balance Transfer Fee
Want to swap your existing balance to your Visa® Classic Credit Card? No problem! You won't be charged a fee like many other financial institutions.
30-Day Average Grace Period
Pay off your balance without the stress. You have 30 days on average to complete your payment without accruing any interest.
24/7 Fraud Monitoring
Don't pay for someone else's goodies. Stay protected with 24/7 Fraud Monitoring that alerts you of suspicious charges.
Annual Payment Skip
Add some flexibility to your finances with the ability to skip one payment per year without repercussion for just $25.
Membership Status
Are you a member of our credit union?
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.05% |
0.05% |
Rate is effective September 19, 2024 and is subject to change.
Also see terms for accounts.
Mobile App
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