What's New

Visa Promise - Our Committment to You
Every new year brings change, but our Visa Commitment Campaign remains the same. We promise the following to you, just as we did in 2008:

• Our Visa Gold rate will not exceed 9.99% APR for purchases.
• Our Visa Classic rate will not exceed 12.99% APR for purchases.
• We will not change the rate we charge you even if you make a late payment.
• We will not charge you an annual fee to use your card.
• We will not charge you to transfer a balance to your card.
• We will give you a 25-day interest-free grace period when your account
  is paid in full.

In other words, you don’t have to look out for any surprises. You can feel secure in choosing us when opening a Visa credit card account or as a current cardholder.

If you don’t have a UMEFCU Visa card but would like one, you can use the application on page 4 of our newsletter. After you complete it, you can mail or fax it to us or drop it off at the Credit Union. To do a balance transfer, include a copy of your most recent credit card statement from your other credit card company.

eStatements - Account statements made e-asier
Getting statements in the mail can be inconvenient, especially if you want to check your accounts quickly or repeatedly. That’s where eStatements come in. These electronic statements are there when you need them—stored securely within our online banking system. And, you’ll get them as soon as we release them. No waiting for the mail carrier. Plus, eliminating paper statements saves us money on paper, ink and postage. To use this money to better serve you through our products and services, we may begin charging for paper statements in the future.

Sign up for eStatements today by printing out the form. Then fill out the form completely and return it to us in person, by mail or by fax to 410-363-3914. You’ll start getting eStatements during the next statement period, and we’ll send you a free credit union mouse pad.