Chesterfield Federal Credit Union is the best place to start improving your credit. Don't get fooled with high fees and rates with other secure cards. Our Secured Visa card has no annual fee, and a low rate of 13.9% APR*.
Your Secured Visa card will work just like a regular credit card. Your credit limit will be based on funds that you provide to us. We will hold these funds in a separate savings account. After 12 months of on-time payments, we invite you to reapply for a Visa Emerald card.
Help preserve your standard of living. Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because the unexpected can happen at anytime. You’re betting you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.
CFCU Safety Net* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly occurs. And, simple eligibility requirements ease the enrollment process.
If your loan is protected and a life event happens to you, CFCU Safety Net* will cancel or reduce repayment of your loan debt - helping to lessen worries about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:
Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.
Because each member has different needs, we offer three different options for protection with CFCU Safety Net:
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Our Visa credit and debit cards offer comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter card information online. The service helps prevent unauthorized online use by confirming your identity with an additional password.
When you shop at participating online stores, you’ll enter your Visa credit or debit card number, plus your unique Verified by Visa password. It’s that easy. And your card information is secure!
Register today! It’s free and takes just a moment. Let Verified by Visa protect you when you shop online.