or
CALL 607-257-8500 or 800-428-8340 (both at ext. 3291)
REWARDS CREDIT CARD
No annual fee
REWARDS ELITE CREDIT CARD
Annual Percentage Rate (APR) for Purchases | APR for Balance Transfers | APR for Cash Advances | Penalty APR and When it Applies | Minimum Interest Charge | Alert Me | |
---|---|---|---|---|---|---|
Rewards | 11.49% - 17.49%1 | 11.49% - 17.49%1 | 11.49% - 17.49%1 | None | None | Receive a notification when this rate changes |
Rewards Elite | 9.99% - 15.99% | 9.99% - 15.99% | 9.99% - 15.99% | None | None | Receive a notification when this rate changes |
Classic | 12.40% - 17.50%1 | 12.40% - 17.50%1 | 12.40% - 17.50%1 | None | None | Receive a notification when this rate changes |
Secured | 17.00% | 17.00% | 17.00% | None | None | Receive a notification when this rate changes |
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Points are accumulated by purchases only, however you do have the option of performing a balance transfer with our Convenience Checks (rewarding you with points), though this would exclude you from any Balance Transfer specials.
Yes, through the UChoose site, there is live chat, a Contact Us email submission form, and a nice FAQ.
You can check your point accumulation by logging into Online Banking, clicking on your credit card, clicking on ‘Credit Card Access'’, and clicking on the ‘UChoose Single Sign-on’ link.
Members earn 1 point for every $1 spent. This can be increased with specific offers from retailers. These specials currently go up to 25 points per $1 spent with some online retailers.
Yes!
Points expire 3 years after you earn them. There is a warning for expired points on the site when you get within 60 days of expiration.
Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.
In some cases, yes. You will have to submit your specific question online at the UChoose site for specifics.
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.
No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.
It can take up to 60 days for your points to be credited to your account.
To start earning points, you must activate your rewards.
You earn points everywhere your card is accepted.
UChoose Rewards is a rewards program where you earn points for shopping or using your CFCU Community Credit Union Rewards Card, then redeem your points for anything of your choice from a huge online rewards catalog.
Cycle End – 25th Due Date - 22nd
No. A member will need to re-apply for the Rewards Credit Card.
Yes you can use your debit and credit cards overseas. However, you must contact CFCU ahead of time to place a travel note on your account. There is a 1% currency conversion fee.
Note: Certain Countries have restrictions. Contact us for more information.
What is Apple Pay and how does it work?
To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone® 6or higher and Apple Watch™ 5 /6 or higher using the Passbook application running on iOS 8.1 or later. Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete. If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode. To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, Apple Watch 5 or 6, iPad® Air 2 or iPad miniTM 3 in “Settings” on your device.
Once your card has been added, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase. You will see “Done” and a checkmark on the screen when your payment is complete.
How can I add my card to Apple Pay?
To add an eligible card(s) on iPhone 6, Apple Watch, iPad Air 2 or iPad mini 3, go into “Settings,” open “Passbook & Apple Pay” and select “Add Credit or Debit Card.” On iPhone, you can also open the Passbook app to add a card.
When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card.
Which devices are eligible for Apple Pay?
In order to use Apple Pay, you need to have iPhone 6 or newer, or Apple Watch 5 or 6 running at least on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only.
Where can I use Apple Pay?
You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout. You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.
Visit Apple (www.apple.com/apple-pay) for a recent list of merchants where payments are accepted.
What is a Device Account Number and how is it different from my card number?
For your security, when you add your eligible card to Apple Pay, a Device Account Number – separate and unique to your device – is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay. Merchants do not store your card number.
How many cards can I put on my device?
At this time, Apple allows up to eight cards on a device.
Can I put my credit or debit card on multiple devices?
Yes, you can add your card(s) on up to 10 devices. For each of your devices, you will need to add your card(s) by visiting the “Passbook & Apple Pay” section in your device “Settings” or the Passbook app. You’ll be notified when your card is added to each device.
Can I remove my card from my device?
You can remove your card by selecting “Remove Card” in the “Passbook & Apple Pay” section in your device “Settings” or on the back of your card in the Passbook app by tapping on the ‘i' (information) symbol. You can also visit www.icloud.com/settings to remove your card or use the Find My iPhone app to temporarily suspend or permanently remove the ability to pay with your cards on your device.
How are refunds handled with an Apple Pay purchase?
If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for each card, visit the “Passbook & Apple Pay” section in your device “Settings” or look in the Passbook App Info.
How can I delete my card if my device is lost or stolen?
If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at CFCU. You can also go to www.icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.
Why does my Apple Pay work differently at different stores?
One of the features of Apple Pay is that is integrates with a merchant's existing card processing system, and since many merchants have different systems, you will have a different experience at different merchant locations. Many merchants are still working on training their own staff on how Apple Pay works on their own terminals, so you may still come across situations where the merchant's staff is unsure of how it works, or is new to the process as well.
Will CFCU be offering Samsung or Android Pay?
We are currently working with our providers to determine when these platforms will be available to CFCU. We will continue to keep you updated on our progress as we understand this is important to Android and Samsung users!
For more information about Apple Pay, contact CFCU!
Member Solutions
(Mon-Fri. 8am-5:30pm; Sat. 9am-12pm)
607-257-8500 or toll free 800-428-8340
CFCU Insurance Services
(Mon-Sat. 8am-8:30pm)
Telephone Banking
607-257-8113 or toll free 800-782-9413
Suspected Fraud/Lost/Stolen Debit Card
Suspected Fraud/Lost/Stolen Credit Card
866-205-8314 (Domestic) or 703-463-2473 (International) Option 2
CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.
View our disclosures for additional Terms and Conditions.