Credit Cards

Use your Focus MasterCard for all kinds of things. Whether it’s that trip you’ve been dreaming of, a new roof or new furniture, your credit union credit card is the best way to pay! Choose from Classic, Platinum or Share Secured. Our MasterCards feature:

Low fixed rates

25-day grace period on purchases

Online access to your credit card account

24-hour fraud monitoring

Worldwide access

No cash advance fees

No balance transfer fees

Not enough features? Check out these additional perks!

Year-end summary of charges

Take the hassle out of year-end bookkeeping. All card purchases are conveniently itemized and listed by purchase type.

Satisfaction Guarantee Coverage

If a cardholder is dissatisfied with something bought within 60 days of purchase they may be eligible for coverage under this insurance program.

Purchase Assurance

Coverage for merchandise purchased with a MasterCard that is damaged or stolen within the first 90 days.

Extended Warrant

Doubles the coverage period of the original manufacturer’s warranty up to a maximum of 12 months on most items purchased with a MasterCard.

Master RoadAssist service

Card members that break down on the road while traveling in the U.S. can be assured of emergency roadside assistance services at pre-negotiated rates.

Travel assistance warranty

Traveling more than 50 miles from home, card members can be assured of assistance with medical emergencies, referrals, prescriptions, legal services, and much more.

MasterCard Global service

Worldwide assistance with lost/stolen cards and emergency cash.

Questions about your billing statement? Need to report a lost or stolen credit card? We’ve got you covered.

PHONE ASSISTANCE


Call
1.800.442.4757
Automated service is available 24/7.

ONLINE ASSISTANCE


Click below for a quick and convenient FAQ regarding your card

MAIL YOUR PAYMENT


Credit card payments can be mailed to
MasterCard
P.O. Box 672051
Dallas, TX 75267-2021

For complete information, you may download our MasterCard Account Agreement.

INTEREST RATES* & INTEREST CHARGES
MasterCard Classic11.88%
MasterCard Platinum9.96%
MasterCard Secured8.88%
How to avoid paying interest on purchasesHow to avoid paying interest on purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
HOW WE CALCULATE YOUR BALANCE
Method of computing repayment balances for purchasesAverage Daily Balance, including new purchases
FEES
Annual FeeNONE
Transaction Fee for PurchasesNONE
Transaction Fee for Balance Transfers and Cash AdvancesNONE
Late Payment FeeMaximum $20.00
Over Limit FeeNONE
Returned Payment FeeMaximum $29.00
Minimum Finance ChargeNot applicable
Minimum Monthly Payment2% of balance or $30
(whichever is greater)
CREDIT CARD TIPS
from the Federal Reserve Board and Consumer Financial Protection Bureau
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit http://www.consumerfinance.gov/data-research/credit-card-data/.
Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit http://www.consumerfinance.gov/learnmore/.
DISCLAIMER

*Annual Percentage Rate (APR) for purchases, balance transfers and cash advances.

Credit Cards

Use your Focus MasterCard for all kinds of things. Whether it’s that trip you’ve been dreaming of, a new roof or new furniture, your credit union credit card is the best way to pay! Choose from Classic, Platinum or Share Secured. Our MasterCards feature:

Low fixed rates

25-day grace period on purchases

Online access to your credit card account

24-hour fraud monitoring

Worldwide access

No cash advance fees

No balance transfer fees

Not enough features? Check out these additional perks!

Year-end summary of charges

Take the hassle out of year-end bookkeeping. All card purchases are conveniently itemized and listed by purchase type.

Satisfaction Guarantee Coverage

If a cardholder is dissatisfied with something bought within 60 days of purchase they may be eligible for coverage under this insurance program.

Purchase Assurance

Coverage for merchandise purchased with a MasterCard that is damaged or stolen within the first 90 days.

Extended Warrant

Doubles the coverage period of the original manufacturer’s warranty up to a maximum of 12 months on most items purchased with a MasterCard.

Master RoadAssist service

Card members that break down on the road while traveling in the U.S. can be assured of emergency roadside assistance services at pre-negotiated rates.

Travel assistance warranty

Traveling more than 50 miles from home, card members can be assured of assistance with medical emergencies, referrals, prescriptions, legal services, and much more.

MasterCard Global service

Worldwide assistance with lost/stolen cards and emergency cash.

Questions about your billing statement? Need to report a lost or stolen credit card? We’ve got you covered.

PHONE ASSISTANCE


Call
1.800.442.4757
Automated service is available 24/7.

ONLINE ASSISTANCE


Click below for a quick and convenient FAQ regarding your card

MAIL YOUR PAYMENT


Credit card payments can be mailed to
MasterCard
P.O. Box 672051
Dallas, TX 75267-2021

For complete information, you may download our MasterCard Account Agreement.

INTEREST RATES* & INTEREST CHARGES
MasterCard Classic11.88%
MasterCard Platinum9.96%
MasterCard Secured8.88%
How to avoid paying interest on purchasesHow to avoid paying interest on purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
HOW WE CALCULATE YOUR BALANCE
Method of computing repayment balances for purchasesAverage Daily Balance, including new purchases
FEES
Annual FeeNONE
Transaction Fee for PurchasesNONE
Transaction Fee for Balance Transfers and Cash AdvancesNONE
Late Payment FeeMaximum $20.00
Over Limit FeeNONE
Returned Payment FeeMaximum $29.00
Minimum Finance ChargeNot applicable
Minimum Monthly Payment2% of balance or $30
(whichever is greater)
CREDIT CARD TIPS
from the Federal Reserve Board and Consumer Financial Protection Bureau
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit http://www.consumerfinance.gov/data-research/credit-card-data/.
Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit http://www.consumerfinance.gov/learnmore/.
DISCLAIMER

*Annual Percentage Rate (APR) for purchases, balance transfers and cash advances.