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 Classic | 11.88% *APR |
| MasterCard Platinum | 9.96% *APR |
| MasterCard Secured | 8.88% *APR |
| How to avoid paying interest on purchases | How 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. *APR = Annual Percentage Rate |
| HOW WE CALCULATE YOUR BALANCE | |
| Method of computing repayment balances for purchases | Average Daily Balance, including new purchases |
| FEES | |
| Annual Fee | NONE |
| Transaction Fee for Purchases | NONE |
| Transaction Fee for Balance Transfers and Cash Advances | NONE |
| Late Payment Fee | Maximum $20.00 |
| Over Limit Fee | NONE |
| Returned Payment Fee | Maximum $29.00 |
| Minimum Finance Charge | Not applicable |
| Minimum Monthly Payment | 2% 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 Board | To 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 Bureau | To 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.
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 Classic | 11.88% *APR |
| MasterCard Platinum | 9.96% *APR |
| MasterCard Secured | 8.88% *APR |
| How to avoid paying interest on purchases | How 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. *APR = Annual Percentage Rate |
| HOW WE CALCULATE YOUR BALANCE | |
| Method of computing repayment balances for purchases | Average Daily Balance, including new purchases |
| FEES | |
| Annual Fee | NONE |
| Transaction Fee for Purchases | NONE |
| Transaction Fee for Balance Transfers and Cash Advances | NONE |
| Late Payment Fee | Maximum $20.00 |
| Over Limit Fee | NONE |
| Returned Payment Fee | Maximum $29.00 |
| Minimum Finance Charge | Not applicable |
| Minimum Monthly Payment | 2% 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 Board | To 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 Bureau | To 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.
