Credit Cards  

 

24-hour Emergency Response Contacts for Lost/Stolen Visa Check (Debit) Cards, Credit Cards, & ATM Cards:
 

Visa Check (Debit) Cards:

888.241.2510 (in the U.S.), & 
909.941.1398 (outside the U.S.)

Visa Credit Cards:

800.325.3678

ATM Cards:

800.521.1800, x-116 (after hours, leave message)
 

Rates are going up...but NOT at YOUR Credit Union! What you see is what you get! No gimmicks...no fine print.  

Platinum Points

FME's Platinum card-holders now receive points on their card when making retail purchases and when transferring balances from other credit cards to their FME Credit Card.  Build your points over time and choose from one of three options to redeem them:

Gifts

  • Redeem your points following the "ScoreCard Rewards" link below
  • Save more points to earn bigger and betters gifts

Airline Tickets

  • Redeem your points by following the "ScoreCard Rewards" link below to choose your flight
  • No blackouts or out-of-pocket expenses!

Cash Back Credit

  • Speak with your FME Representative or call FME's Main Office to have a Cash Back credit applied to your account
  • For every 5,000 points earned, you may receive a 1% credit applied to your account

Click button below for details on redeeming your Visa Platinum Points:




Other useful links:

 

Click here to make payments, view transaction history, or view statements.

 
 Click here to complete a Balance Transfer Form
   
Click here to apply for a Credit Card

 
VISA Platinum Benefits
  • Cash Back Bonus Up to 1%
  • No Annual Fees
  • No Overlimit Fees
  • 9.60% APR (Direct Deposit Users = 7.6% APR)
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $1,000,000 Travel Accident Insurance
  •  Warranty Manager
  • Worldwide Acceptance
  • Auto Rental Insurance
  • Around The Clock Emergency Assistance (Medical, Legal Referral, Travel)
  • Emergency Card Replacement And Emergency Cash
  • Free Security and Extended Protection Services
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES

 7.60% APR

Direct Deposit Members
 
9.60% APR
Members without Direct Deposit
OTHER APRs
 Balance Transfers:
7.60% APR or 9.60% APR
Cash Advances:
7.60% APR or 9.60% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  
VISA Platinum card-holders receiving Direct Deposit, along with either an active* Checking or High-Yield Savings Account, qualify to receive a reduced rate of 7.60% APR for Retail Purchases and Cash Advances. The Annual Percentage Rate for VISA Platinum card-holders will increase to 9.60% APR when the qualifying terms for the reduced rate are no longer met.  *An active Checking Account is defined as a combined minimum of five (5) Check Clearings, VISA Check Card clearings and/or FME Online Bill Payments per calendar month. An active High-Yield Savings Account is defined as a minimum payroll deposit of $20.00 per calendar month. 


 

VISA Gold Benefits
  • No Annual Fees
  • No Overlimit Fees
  • 12.96% APR
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $1,000,000 Travel Accident Insurance
  • Warranty Manager
  • Worldwide Acceptance
  • Auto Rental Insurance
  • Around The Clock Emergency Assistance (Medical, Legal Referral, Travel)
  • Emergency Card Replacement And Emergency Cash
  • Free Security and Extended Protection Services
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
12.96% APR
 
OTHER APRs
Balance Transfers:
12.96% APR
Cash Advances:

12.96% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  

 

VISA Classic Benefits
  • No Annual Fees
  • No Overlimit Fees
  • 15.96% APR
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $250,000 Travel Accident Insurance
  •  Worldwide Acceptance
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
15.96% APR
 
OTHER APRs
Balance Transfers:
15.96% APR
Cash Advances:
15.96% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  

 

 

Report Lost/Stolen Credit Cards:

800.325.3678

Report Lost/Stolen VISA Check Cards:

888.241.2510 (inside the United States) 
909.941.1398 (outside the United States)

 

 



Some restrictions may apply. Credit Card promotions are for qualified borrowers. 
Balance Transfers must be from another financial institution and be a minimum of $300. Your credit card will be closed once the balance has successfully been transferred and the Balance Transfer has taken place.


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