online-services

Credit Card Application

Not a Member*?  Not a Problem!

If you are currently not a member* of CWCU you can still apply for a Loan.  Once approved you can become a member and gain access to all the benefits and savings CWCU has to offer!


 Click here to enter the secure VISA credit card application.

 
 

Click here to print your VISA credit card application.

VISA Classic Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90% to 16.50% when you open your account,
based on your creditworthiness.
APR for Balance Transfers 9.90% to 16.50% when you open your account,
based on your creditworthiness.
APR for Cash Advances 9.90% to 16.50% when you open your account, based on your creditworthiness.
Minimum Interest Charge If you are charged interest, the charge will be no
less than $0.50 .
The minimum interest charge will be charged on any dollar amount.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore
Fees
Transaction Fees
- Foreign Transaction Fee
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
Up to $29.00
Up to $25.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."


Effective Date.

The information about the costs of the card described in this application is accurate as of October 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.


OTHER DISCLOSURES

Late Payment Fee $29.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged F13 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee $25.00
Emergency Card Replacement Fee $150.00
Card Replacement Fee $25.00
Card Recovery Fee $65.00
Pay-by-Phone Fee $10.00
Documentation Fee $25.00

Trouble loading the application? If you are unable to use the links on this page successfully, it may be because you are using a pop-up blocker that is blocking the application. You can correct this by allowing pop-ups on this page or by adding your financial institution's web address www.cwcu.com to your pop-up blocker's list of allowed sites. Be advised that you may have more than one pop-up blocker program enabled, particularly if you have installed additional toolbars to your browser.


We have invested in VeriSign's secure server digital certificate to protect your data. Through the use of Secure Socket Layer (SSL) technology, the standard for secure communications on the Web, your data is being sent to a secure database and is encrypted to protect your privacy.


* Membership Eligibility: Individuals must live or work in Kankakee, Ford, Iroquois, or Will counties.