Credit Card Options
A Card for Whatever You Need
Looking for a secure, rewarding and convenient way to make purchases? With low interest rates, chip card security, and additional travel and low cash advance fees, simply choose the right card that works the way you like to shop.
Both our Platinum and Rewards cards offer 24/7 online account access and charge no balance transfer fees. See a complete list of each of our card features – and how they compare to national credit cards. Make your money worth more with a credit card from Emery Federal Credit Union.
| Emery FCU Platinum Credit Card | Emery FCU Rewards Credit Card | Other Credit Cards** | ||||
|---|---|---|---|---|---|---|
| APR | as low as 11.74%* | as low as 13.74%* | National Average is 24.92%* | |||
| Earn Rewards Points | None | Yes! Redeem for gift cards, travel discounts and merchandise. | Varies | |||
| Annual Fee | None | None | Range from $25 to $450 | |||
| Balance Transfer Fee | None | None | 3% of Transferred Balance | |||
| Default Rate | None | None | Common Default Rate is 28.89% | |||
| Card Benefits | Includes Auto Rental Collision Damage Coverage, Travel Accident Insurance ($1,000,000), Extended Warranty Coverage and $300 Baggage Delay Benefit | Varies | ||||
| Local Support | Have a question or concern? Call your local Emery branch | Who knows? | ||||
| Cash Advance APR | 17.99% Maximum | National Average is 25% | ||||
| Cash Advance Fee | 2% of the cash advance; $5.00 minimum | 4% of the cash advance; $10.00 minimum | ||||
| Late Fee | Up to $25 | Up to $38 | ||||
Check out our unbeatable rates!
*Based on credit worthiness. Your APR may vary. Index = Wall Street Journal Prime rate.
**As reported by CreditCards.com™ as of September 19, 2024.
APR = Annual Percentage Rate.
Secured Credit Card
Looking for a way to build your credit or give it a boost? Emery’s secured credit card is the perfect option for you.
When you are approved for a secured credit card, you’ll pay that total credit limit when you open the card. You’ll continue to use it like a credit card in order to build your credit score, but there’s an extra safety net for you to not charge over your designated limit. This will also help to improve your score!
Emery
CardNav
Emery
CardNav
Get real-time access to your credit and debit cards with Emery CardNav.
Emery CardNav gives you the power to decide how and when your cards can be used, in addition to how and when to alert you.
You can:
- Turn your card on or off when it’s lost or not in use
- Enable your location to restrict transactions to certain areas
- Create custom alerts or restrictions based on merchant type, transaction amount, etc.
- Receive real-time alerts to stop unauthorized purchases before they’re complete
- Make spending limits for yourself to help you with personal financial goals
Wallet Pay
Use your Emery credit card or debit card to make purchases on the go without carrying the cards with you.
If you have an Android phone (4.4 or higher) you can choose Google Pay or Samsung Pay (select models) from The Play store. Apple Pay works with iPhone 6® and later, and the Apple Watch®. (The Wallet app is already installed on Apple devices.)
When paying for your purchase you display the app and hold your phone up to the card terminal. A “token” or one-time identifying number is used, so your actual information is not shared when you shop, giving you extra security.
Mobile Pay Choices
Platinum and Rewards Credit Card Disclosure
Platinum Credit Card Disclosure
Rewards Credit Card Disclosures
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