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CFCU Credit Union


An additional platform to complement Digital Banking

CFCU More Login

Routing #: 221381540

Rewards Credit Cards

You're Already Spending, So Why Not Earn CASH BACK Rewards Points Every Time You Use Your CFCU Rewards or Rewards Elite Credit Card.

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

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.