We would like to remind our members to be vigilant and aware of any potential points of compromise such as websites, emails and phone text or calls.  Before giving out any personal information to someone you are unsure of, please contact a representative from your local branch.

Visa Classic Credit Cards

With your Vision Visa Classic Credit Card, you will enjoy the convenience of a major credit card that is accepted everywhere, in the United States, that Visa's accepted. A Visa Classic Credit Card is an excellent way to establish or improve your credit. You can make cash withdrawals at ATM's or just swipe it to make purchases, payments, etc. almost everywhere!


  • Fixed rates as low as – 12.95% APR (on purchases, balance transfers and cash advances).
  • No annual fee.
  • No fees for cash advances.
  • There is a 25 day grace period for purchases.
  • You can transfer your balance from a higher rate credit card to your Visa Classic without incurring any fees.
If this sounds like something that you would be interested in just click below to apply.

Visa Classic Credit Card Disclosure

Annual Percentage Rate (APR) for Purchases 12.95% to 17.95% Fixed*
Cash Advance APR 12.95% to 17.95% Fixed*
Balance Transfer APR 12.95% to 17.95% Fixed*
Grace Period for Repayment of Balances for Purchases 25 Days on Average**
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Annual Fees None
Minimum Finance Charge None
Transaction Fee for Cash Advances None
Balance Transfer Fee None
Over-the-Limit Fee None
Late Payment Fee $29.00
Return Payment Fee $29.00


 * Annual Percentage Rate (APR) based on your creditworthiness and will be determined by Equifax Beacon Score on date of Visa approval, request for a limit increase, or re-evaluation by the credit union.

** A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
A finance charge will be imposed on Cash Advances from the date of the Cash Advance, or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue until payment in full is made.
All Visa Credit Cards issued by Vision Financial Federal Credit Union can only be used in the United States.
The information about the costs of the card described in this application is accurate as of February 4, 2020. This information may have changes after that date. To find out what may have changed, write us at P.O. Box 15818, Durham, NC 27704-0818 or at our website at www.vffcu.org.

Important Card Information

To pay your Visa online, or for information such as balances, recent transactions and archived statements, visit www.ezcardinfo.com.

Sign-up now for Visa Purchase Alerts.

To Activate:

Visa Credit Card - 1-800-543-5073
MasteCard Debit Card - 1-877-296-2737

Report Lost or Stolen:

Visa Credit Card - 1-800-325-3678
MasterCard Debit Card - 1-800-528-2273

Contact a loan officer

Let us help you find the loan that's right for you.

Vision Financial Federal Credit Union
214 Pacific Avenue
PO Box 15818
Durham, North Carolina 27704
Phone: (919) 477-0696
        or (800) 235-8455
Fax: (919) 471-8211
Routing Number: 253175517

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