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CFCU Credit Union

Routing #: 221381540

Balance Transfer and Rewards Promotion

Rewards CC Balance Transfer Promo - Landing Webpage Image - 2.6.25_JPEG
Apply Online Visit a Branch

1APR=Annual Percentage Rate. Purchase APR is variable and subject to change after account opening. 3.90% Promotional APR is valid for 12 months from the time balance transfer after which the variable rate of 12.74-19.24% may apply based on your creditworthiness at account opening. Balance transfer must post between 2/15/25-5/15/25 to qualify for promotional rate. Rewards credit card and Business Rewards credit card balance transfer fee is 2% of the transfer amount with a $5 minimum. Rewards Elite card does not have a balance transfer fee. 25,000 Bonus Rewards Points awarded to new cardholders approved 2/15/25-5/15/25. Additional 5,000 Bonus Rewards Points awarded upon successful uChoose registration. Cardholders must register by 5/15/25 to be eligible for additional Bonus Rewards Points. All credit cards subject to approval. Federally Insured by NCUA. 

Credit Card Features

  • Access to Digital Banking
  • Digital Wallet Capabilities (Apple and Google Pay)
  • MasterCard Guide to Benefits
  • Avoid interest charges by paying your full statement balance on or before your due date each month
  • Instant Issue at branches
You're Already Spending, So Why Not Earn CASH BACK Rewards Points Every Time You Use Your CFCU Rewards or Rewards Elite Credit Card.

CFCU Rewards

  • Earn Rewards Points
    • 1 point for every $1 spent
    • Use your points to redeem CASH BACK
    • UChoose Rewards
  • No annual fee
  • Credit Limit $500 - $25,000

CFCU Rewards Elite

  • Earn Rewards Points
    • 2 points for every $1 spent
    • Use your points to redeem CASH BACK
    • UChoose Rewards
  • Higher credit limit
  • Lowest interest rate
  • Low $50 annual fee
  • Credit Limit $10,000 - $50,000

Classic and Secured

  • Can help you build or rebuild credit
  • Low $15 annual fee that is waived if a member maintains a Direct Deposit in a CFCU account or has a CFCU Mortgage
  • Credit Limit $500 - $5,000
  • Secured Cards have a fixed rate

Want to increase your credit limit?

Apply for an increase

  • Choose the credit card type you currently have that you want to increase the limit on.
  • Under "Loan Purpose", choose "Credit Increase".

We offer rewards credit cards in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.

 

 

*View our disclosures for additional Terms and Conditions. All cards are subject to approval.