Bills have a way of piling up, but our Balance Transfer Program can help. Move your other credit card balances to your RFCU credit card today. By consolidating your debt, you can enjoy a lower interest rate and one easy, monthly payment while you pay down your balance. Plus, you won’t have to worry about high fees. It’s time to stop paying for the past, start enjoying today, and saving for the future!

RFCU offers a fantastic credit card program with low interest rates, no annual balance or transfer fees, and plenty of options:

• Classic Visa®: 11.99% APR*
• Platinum Visa®: 7.99% APR*
• Platinum Visa®: 9.49% APR* - With Rewards

*APR = Annual Percentage Rate. Credit card offered to qualifying members.

Your Visa card is now equipped with Verified by Visa
It password protects your card for free. To learn more, visit www.visa.com/shopandactivate.

Shop Online With Verified By Visa Today!

It isn’t hard to find yourself trapped in credit card debt. But the good news is with a little planning and effort, you can come out back on top.

• Make a Budget: Start by analyzing your spending habits. Once you see where your money is going you can evaluate your habits and make better choices, as well as plan for future expenditures.
• Tough choices: Make a promise to yourself that you will borrow only for productive purposes, not non-essentials. Involve your family on a regular basis to gain their cooperation and support. Make spending decisions and set future goals together.
• Consolidate Debt Payments: Examine the interest rate you are paying on each credit card. Now transfer the balance from those higher-interest cards to a lower-interest RFCU credit card.