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Visa Emerald was designed around you! With a great low fixed rate, no annual fee and no balance transfer or cash advance fees, you will start saving money as soon as you use your card. You'll even earn rewards on your purchases!

Carry the best Visa card available in Chesterfield

When you carry a Visa Emerald card, you’re carrying a card with a variety of benefits designed to help save you money, protect your purchases and make your dollar go further. Visa Emerald truly is the best credit card on the market.

Nowhere else can you find a card with a fixed rate as low as 8.9% APR*, with CURewards and a menu of add-on features designed to protect you and give you more value.

Visa Emerald offers cardholders peace of mind with features like Price Protection, Lost Luggage Reimbursement and more! Learn more about all of the insurances and protections available on Visa Emerald at no monthly cost to you.

We also give you the ability to design your own card so you can express yourself. Visa Emerald truly is in a class by itself.

Visa Emerald Benefits

  • CURewards
  • Debt Protection
  • Protections
  • Rates
  • Apply
  • Request Info
  • Verified By Visa
  • FAQ
CURewards

Earn points on every purchase

CURewards

Through this exclusive program, using your Chesterfield Federal Credit Union Visa Emerald card or Visa Debit 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 and 1 point for every $5 in signature-based purchases made with your Visa Debit card. Visit CURewards.com 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 CURewards.com, 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 CURewards.com. Just log on, use your Visa Emerald or Visa Debit 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!

Combine points to redeem faster

Earning points with both your Visa Emerald and Visa Debit card? Combine your points and you'll be earn your rewards even faster. Just call us at 804-748-1417 to join your cards together.

Get started today

If you have a Visa Emerald or Visa Debit 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.
Protections

The best protection for your Visa Emerald purchases

You shouldn’t have to pay extra to protect your purchases. That’s why you are automatically enrolled in 10 different insurances and protections at no cost to you as a Visa Emerald cardholder. These protections can guard your purchases, extend your warranty and provide you assistance and peace of mind when you travel.

Auto Rental Collision Damage Waiver

Covers damage due to theft or collision up to the actual cash value of most rental vehicles.

Coverage Amount: Up to the actual cash value of the rental vehicle. How To File A Claim: Contact the Benefit Administrator at 1-800-VISA-911

View the terms and conditionsOpens in New Window for these coverages.

Hotel Motel Burglary Reimbursement

Covers personal property stolen from your hotel/motel room when you pay for the room with your Visa Emerald card.

Coverage Amount: Up to $1,500 per incident
How To File A Claim: Contact the Benefit Administrator at 1-800-554-1275

View the terms and conditionsOpens in New Window for these coverages.

Lost Luggage Reimbursement

Covers the contents of lost checked baggage when you purchase the ticket with your Visa Emerald card.

Coverage Amount: Up to $1,250 per trip
How To File A Claim: Contact the Benefit Administrator at 1-800-757-1274

View the terms and conditionsOpens in New Window for these coverages.

Price Protection

Reimburses the cardholder for the difference in a qualifying product found advertised for less within 60 days of purchase.

Coverage Amount: $250/item - $1000/year
How To File A Claim: Contact the Benefit Administrator at 1-800-553-7520

View the terms and conditionsOpens in New Window for these coverages

Roadside Dispatch

Provides cardholders with access to towing, tire changing, jump starting, lockout service, fuel delivery or winching in an emergency.

Member Cost: $59.95 per use
How To Request Service: Contact Visa Roadside Dispatch at 1-800-VISA-TOW

View the terms and conditionsOpens in New Window for these coverages

Travel & Emergency Assistance

Legal & medical referral assistance, translation assistance, emergency messaging service, pre-trip assistance and more.

Member Cost: No charge for referral or assistance. Other charges may apply.
How To Request Service: Contact the Benefit Administrator at 1-800-992-6029

View the terms and conditionsOpens in New Window for these coverages

Premium Purchase Security

Provides repair, replacement or reimbursement for covered items purchased with Visa Emerald in the event of theft or damage within 90 days.

Coverage Amount: $10,000 per claim; $50,000 annually
How To File A Claim: Contact the Benefit Administrator at 1-800-553-4820

View the terms and conditionsOpens in New Window for these coverages

Travel Accident Insurance

Provides accidental death and dismemberment travel coverage when your ticket is purchased using your Visa Emerald card.

Coverage Amount: Up to $500,000
How To File A Claim: Contact the plan administrator by mail at CBSI Enhancement Services 550 Mamaroneck Avenue, Suite 309 Harrison, NY 10528

View the terms and conditionsOpens in New Window for these coverages

Warranty Manager Service

Allows cardholders to register all of their warranties in one place. For select items purchased with your Visa Emerald card, coverage is doubled, up to one year. Extended coverage is available for purchase.

How To Register: Contact the Benefit Administrator at 1-800-551-8472

View the terms and conditionsOpens in New Window for these coverages

Emergency Card or Cash Replacement

Provides emergency replacement of your card or emergency cash from your credit line during travel within 24 hours in the United States and 1 business day internationally.

How Request Service: Contact Visa at 1-800-VISA-911

View the terms and conditionsOpens in New Window for these coverages

Rates
Effective Aug 14, 2018
Credit Cards Intro Rate^ APR* 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.

Apply

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 dedicated mortgage loan site.
  2. A Financial Services Representative 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.

FAQ
Discover the best credit card in Chesterfield County