Fulton Teachers' Credit Union

At Fulton Teachers' Credit Union, we offer the VISA® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Fulton Teachers' Credit Union VISA® card.

You'll enjoy the following benefits:

No annual fee
25-day grace period on purchases
No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
No minimum finance charge
Earn ScoreCard® rewards points for every net retail dollar you spend. Redeem for valuable merchandise at

Please click here to report a lost or stolen Fulton Teachers' Credit Union VISA Platinum credit card or click here for the credit card payoff calculator.

Click here for an application.

CREDIT DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	8.90% to 17.90%*
APR for Balance Transfers	8.90% to 17.90%*
APR for Cash Advances	8.90% to 17.90%*
*Rates shown are standard card rates and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards.
Penalty APR and When it Applies	NONE
How to Avoid Paying Interest on Purchases	We will not charge you any interest on purchases if you pay your entire balance by the due date each month. The Interest Charge on cash advances begins from the date you obtained the cash advance. The Interest Charge on balance transfers begins from the date the transaction is posted to your account.
Minimum Interest Payment	If you are charged interest, the charge will be no less than $0.00
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 http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	NONE
Transaction Fee
Balance Transfer Fee	NONE
Cash Advance Fee	NONE
Foreign Transaction Fee	Up to 1.00% of each transaction in US dollars
Penalty Fees
Late Payment Fee	Up to $25.00
Over-the-Credit Limit Fee	NONE
Returned Payment Fee	Up to $27.00
Other Fees
Live Pay-By-Phone Fee	Up to $5.00

How we will calculate Your Balance: We will use a method called "average daily balance (including new purchases"). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.