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There is no shortage of cards in the market for students. But none rival ours for rate and benefits.

Begin your credit history with a Student Visa

Building your credit can be tough. Don't let your first credit card trap you with high rates and fees. Our Student Visa gives you rates as low as 8.9% APR* with no annual fee. Unlike most student cards, your card earns you rewards with CURewards. That's because your Student Visa is our Visa Emerald card - the best card in the market.

Student Visa Benefits

  • No annual fee
  • No balance transfer or cash advance fees
  • Credit limit starts at $500
  • Rates as low as 8.9% APR
  • Earn 1 point for every $1.00 spent with CURewards
  • Express yourself with Design Your Own Card


  • The student or parental joint applicant must have at least $400.00 in disposable income
  • Proof of income is required for all applicants
  • Good credit is required for student. If parental joint applicant is included, good credit for the joint applicant is also required
  • Must be a full time college student
  • CURewards
  • Debt Protection
  • Rates
  • Apply
  • Request Info
  • Verified By Visa
  • FAQ

Earn points on every purchase


Through this exclusive program, using your Chesterfield Federal Credit Union Visa Emerald card  will unlock a door to exciting travel opportunities, premium merchandise and more. You'll earn 1 point for every $1 in purchases made with your Visa Emerald. Visit to register your card and see all of the rewards you can earn.

Bonus points with the CURewards Mall

We’ve teamed up with thousands of local and national retailers to create a shopping experience like no other – the CURewards® Mall. When you visit the CURewards Mall through, you earn bonus rewards points by shopping with your Chesterfield FCU credit card at the participating merchants in-store or online. The CURewards Mall lets you find merchants from just about any category you can imagine, many offering special discounts to credit union members like you! Plus, more merchants are being added all the time. You can even customize your own list of your favorite shopping places and request e-mail notifications about special deals. Earning points for your purchases is a breeze. Simply use your Chesterfield FCU credit card at the participating retailers available in the CURewards Mall. Just remember to select the links in each offer, or use your card when shopping at participating retailer’s stores.

Earn double points on travel

Earn double points every time you purchase your travel through Montrose Travel via Just log on, use your Visa Emerald card to make the purchase and receive double points on all your travel* needs. You’ll be able to take advantage of the thousands of special travel offers to choose from, all at the lowest prices. Best of all, you’ll really like getting the next reward you want even faster!

Get started today

If you have a Visa Emerald card, you are already earning points. Register for an account at CURewards.comOpens in New Window to see how many points you've earned! Then, start using your Chesterfield Federal Credit Union cards for all of your purchases!

*After travel has been completed you will need to fill out and submit the double points form available online in order to receive your bonus points.
Debt Protection

Play it safe with CFCU Safety Net

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.

Protection suited for you

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.

Protection that matters

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:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

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.

Protection suited for your needs

Because each member has different needs, we offer three different options for protection with CFCU Safety Net:

  • Comprehensive Protects your family in case of loss of life, disability or involuntary unemployment
  • Prepared Protects your family in case of loss of life or disability
  • Thoughtful Protects your family in case of loss of life
Ask your Financial Services Representative about protection with CFCU Safety Net.
* Your purchase of CFCU SafetyNet is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of CFCU SafetyNet.
Effective Aug 1, 2019
Credit Cards Intro Rate^ APR* Calculator
Secured Visa 13.9% Calculator
Visa Emerald 3.9% 8.9% Calculator
View pricing information on our Visa products.Opens in New Window
^ For 6 months
* Annual Percentage Rate. Lowest APR available with qualifying credit.


Applying for a loan online is easy! Just follow these simple steps:

Auto Loans, Personal Loans, Credit Cards

  1. Log in to your Net24 Home Banking account
  2. Select "Apply For A Loan" from the left column navigation menu
  3. Complete the appropriate application
  4. A Financial Services Representative will contact you within one business day with more information.

Home Equity Loans & Lines of Credit

  1. Complete a Request for Information and select Home Equity Loans and Lines
  2. A Financial Services Representative will contact you within one business day with more information.

First Mortgages

  1. Complete an Mortgage ApplicationOpens in New Window through our recommended mortgage partner's loan site.
  2. Their mortgage specialist will contact you to get more information about your mortgage needs.
Request Info
Verified By Visa

Get peace of mind when you shop online with Verified by Visa

Verified By Visa

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.

Apply today and build your credit!