Gates Chili Federal Credit Union

The Gates Chili Federal Credit Union offers its members two credit card options, the Visa Gold and Visa Classic. Information on each card is listed below.

Online Account Management
EZCardInfo provides immediate online access to your account, giving you a snapshot of your account balance, available credit, payment information, transaction details and more! You can even set alerts that notify you by e-mail or text if you're close to your limit or when a statement is ready.

Verified by Visa
Verified by Visa adds an additional layer of protection against unauthorized usage by asking you to create a password to verify online purchases with your Gates Chili FCU Visa credit card.
More Information

Visa Classic® Credit Card

Visa Gold® Credit Card

Standard APR:

11.99% fixed APR

8.99% fixed APR

Penalty APR:

Same as standard APR

Annual Membership fee:

None

Balance Transfer Fee:

None

Balance Transfer APR:

Same as standard APR

Cash Advance Fee:

None

Cash Advance APR:

Same as standard APR

Over-the-Limit Fee:

None

Minimum Finance Charge:

None

Returned Payment Fee

$20.00

Late Payment Fee:

$10 posted 6 days after the statement drop.

Credit Limits:

$100 to $10,000 for qualified borrowers

$5,000 to $30,000 for highly qualified borrowers

Qualifications:

Credit score and credit history

"A" credit rating. Minimum $30,000 annual income

Additional Benefits:

Up to 1% cash back, credited annually