Loans

Discounts

Visa® Credit Cards

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Account Choices

Platinum Visa

A prestigious card with generous credit, premium benefits, and Rewards Points you can redeem for travel, gift cards and name-brand merchandise.

Features and Benefits

Enjoy exceptional features and benefits:

Platinum VISA

  • Competitive rates
  • No annual, balance transfer, or cash advance fees
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment,
    including Visa E-statements
  • Earn one CURewardsTM for every $1 purchase ($1=1 point)
  • Design Your Own Card with your own photo or choose from our gallery

Additional no-cost features:

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  • Price Protection on Purchases
  • Personal Identity Theft Coverage
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Warranty Manager Service including, Warranty Registration and Extended Warranty Protection

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

Affinity Visa

SFPCU is pleased to offer members the opportunity to show their support and pride in the organization they believe in. Affinity Visa Credit Cards raise money for an organization every time the card is used.

Cardholders

Features & Benefits

With an SFPCU Affinity Visa your organization receives contributions from SFPCU based on card usage, plus:

  • Competitive rates
  • No annual, balance transfer, or cash advance fees
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa eStatements
  • Earn rewards points that can be redeemed for travel, gift cards and brand-name merchandise!

Additional no-cost features:

  • Price Protection on Purchases
  • Personal Identity Theft Coverage
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Warranty Manager Service including Warranty Registration and Extended Warranty Protection

Organizations

Now you have a unique opportunity to raise funds and build more awareness for your organization. Your members can share their commitment to the organization just by doing what they do everyday – using their credit card.

Features & Benefits

  • Revenue Generation: The Affinity Visa card benefits the Association by providing money back to the Association in the form of a donation.  Every time an Affinity cardholder uses their card, a percentage of Net Income generated will go back to the organization.
  • Branding:  We’ll work with you to design your card at no cost to you. Your Visa card will be exclusively designed to represent your organization in the way you want.
  • Convenience: Your members can easily apply online, at a branch location or by phone.
  • No Costs: There are no setup costs or fees associated with running or setting up this credit card program.

Want to Lean More?

If you are interested in obtaining an Affinity Card for your organization please email us at: marketing@sfpcu.org.

Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.

Apply Now

Applying is easy. 

If you are interested in applying for an Affinity Credit Card for a specific organization, click on the organization link below for more information. 

Not a current SFPCU member? Click here for information on how to become an SFPCU member. 

Please note before you apply:

  • You must establish SFPCU membership prior to loan funding
  • You may be asked for verification of income by a Financial Services Loan Officer

Visa Share Secured

We also have a card available as you are starting to build or rebuild your credit. Our Visa Share Secured card offers you a great fixed low rate and great benefits. 

Features and Benefits

Our Share Secured card is secure because it is tied to your Savings or Certificate account. A portion of your shares from one of those accounts is pledged as collateral to secure your credit line.

  • Fixed low rate
  • No annual, balance transfer, or cash advance fees
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa E-statements

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. 

CURewards Program

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CURewards Points
Earn free merchandise, gift cards, or travel rewards by using your SFPCU Platinum VISA®.

  • Earn one CURewards™ point for every $1 purchase ($1 = one point)
  • Rewards start as low as 2,500 points
  • Total points are calculated automatically; just check your statement or review the Rewards Summary in Online Banking
  • Rewards points may be redeemed toward brand name gifts, gift cards, or travel-related services

CURewards Mall
An enhancement to CURewards, earn bonus points and special offers faster, by shopping at your favorite retailers in-store or online.

  • Shop at your favorite participating brand-name retailers
  • Earn bonus points and special offers like gift cards, electronics and more
  • Browse CURewards Mall and see what special offers is available from places like Walmart, Home Depot, AMC Theaters, and thousands more

Get started today, apply through Online Banking and enjoy shopping with a SFPCU Platinum Visa with the perks of the CURewards program.

Rates / Disclosures

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CREDIT CARDS

Effective January 2, 2014

Annual Percentage Rates for SF Police Credit Union VISA® Secured and Unsecured Credit Cards
Standard APR for Purchases, Balance Transfers and Cash Advances

Platinum and Affinity Visa:
9.25% - 18.00% Variable APR based on your creditworthiness.

Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition (“Index”).

Share Secured Visa: 7.50% Fixed APR

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Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition (“Index”).
Disclosure Table for SF Police Credit Union VISA Secured and Unsecured Credit Cards
Penalty APR None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For 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 the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Set Up and Maintenance Fee
- Annual Fee

None
Transaction Fees
- Balance Transfer None
- Cash Advance None
- Foreign Transactions 1% of foreign transactions in US Dollars
Penalty Fees
- Late Payment $15
- Over-the-credit Limit None
- Returned Payment $25
Other Fees
- Required Insurance None

How We Will Calculate Your Balance: Average daily balance including new purchases.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

 

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Verified by Visa

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Visa

Protect Your VISA Card Online 
Verified by Visa is a free service that offers Members an added layer of security when making online purchases using your SFPCU Visa.

Program Benefits

  • Buy online with confidence. By choosing a password and a Personal Message you help ensure that only you can make online purchases with your SFPCU Visa card.
  • Zero Liability policy. Visa’s guarantee that you won’t be held responsible for fraudulent charges made with your card or account information+
  • Verified by Visa is offered at no charge.

 How Verified by Visa works

  • Register your credit card in the Verified by Visa program, by visiting the link below.
  • At participating stores online, your card will be automatically recognized as protected by Verified by Visa.
  • Your password will be verified. Once verified, your transaction will continue as usual. If a card can't be verified with the password, then the transaction will not continue.

Register Your Card

 

+For full Zero Liability policy details click here.