Credit Cards
A variety of options to meet your needs:
Sb1 provides four great Credit Card options for your needs. Our Gold and Platinum Visa® card feature rewards programs and our lowest rates.
Visa rewards programs:
The Visa Gold Card allows you to earn points with every purchase that can be used towards travel and gift rewards catalog items.
Our Visa Platinum Card reward program doesn't offer points, it offers cash. Unlike other Credit Card cash back programs that only offer certain percentages for certain restricted purchases, our card allows you to earn 1% cash back on all your purchases throughout the year.
Payments are typically paid in April for the entire year. Depending on how heavily you use your Credit Card, the amount can really add up fast.
Standard Credit Card options:
We offer two other cards that have a whole lot to offer. Our Classic Visa Credit Card provides you with access to affordable credit without many of the fees that other processers charge.
If you've never had a credit card before or if you're trying to re-establish your credit our Secured Visa Credit Card is a good option for you to consider. It provides a fixed APR with no application fee and your secured deposit will earn interest.
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Options
Sb1 offers four types of Visa Credit Cards to meet your needs:
Visa Gold Credit Card
- No Annual Fee
- No Balance Transfer Fees
- No Cash Advance Fees
- Free Extended Warranty Protection
- Free Car Rental Insurance
- Free $50,000 Accident/Travel Insurance
- ScoreCard- Purchases Earn Points For Gifts and Travel Rewards
- Low Fixed 12.96% APR
In addition to all of these features, this card also includes all of the benefits offered with our Classic Card!
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Visa Platinum Preferred Credit Card
- No Annual Fee
- 1% Cash Back Rewards for every dollar you purchase on the card
- Free Conceirge Service
- Credit Limits to $50,000
- $1,000,000 Travel and Accident Insurance
- Low Fixed APR 11.88%
In addition, the Visa Platinum Card also includes many of the benefits of the Gold Card (excluding ScoreCard)!
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Visa Classic Credit Card
- No Annual Fee
- Low Fixed A.P.R.
- No Monthly Balance Payoff Fee
- No Cash Advance Fees
- No Balance Transfer Fees
- Convenient Payment Methods
- Consolidation of Other Credit Cards
- Low Fixed 14.88% APR
APPLY NOW
Visa Secured Credit Card
- For the student just starting out or those who've had financial difficulty in the past, Sb1's Secured Visa Credit Card is ideal. The credit limit is secured with a Sb1 Savings Account balance.
- No Application Fee
- $25.00 Annual Fee
- Secured deposit earns interest
- Card issuance subject to approval
- Fixed 17.96% APR
APPLY NOW
Balance Transfers
Paying off high interest Credit Card balances? Consolidate those balances with Sb1 and save.
Visa Balance Transfer Form
Why pay more than you have to? Start saving today by transferring the rest of your higher rate credit card debt onto your Sb1 Visa card! Consolidate any high interest Credit Card bills that you are paying each month into a single card with Sb1.
With Sb1, making payments is easy via transfers from your other accounts using NetBanker or Telephone Teller.
A printable PDF balance transfer request form is available via the link above. You can also call us at 800.806.9465 to have a copy e-mailed, faxed, or delivered to you by mail.
Dispute Purchase
How to dispute a Visa® Credit Card or Check Card purchase:
To dispute a transaction that appears on your statement that you believe is an error, and you have been unable to resolve the situation with the merchant, please complete and sign a copy of our ATM/Visa dispute form.
This form must be received within 60 days of the posting date of the transaction that you wish to dispute. Please include a copy of your statement highlighting the disputed transactions along with this form if possible.
Your complete form can be mailed to:
Attn: Card Services Department
Sb1 Federal Credit Union
200 N 16th St Ste 200
Philadelphia PA 19102-1203
You can also submit your completed form via Fax to:
267.295.5007 or 800.705.9069
Attn: Card Services Department
Gift Cards
You can't go wrong with an Sb1 Visa Gift Card!
Sb1's Visa Gift Cards provide the perfect gift giving option. Now you'll be able to give your friends and family exactly what they want!
Wider acceptance:
Unlike many store or mall gift cards that limit purchases to a single shopping location, the Sb1 Visa Gift Card can be used anywhere Visa is accepted.
Easy to purchase:
Sb1 Visa Gift Cards can be purchased for values ranging from $20 all the way up to $500 depending on your needs. Stop by a full-time Sb1 branch today to purchase yours today.
To register your card and to view your available balance and activity, click here
View Terms
Rates
Unsecured Loans4
Rates effective starting: 5/25/2013
|
|
| Personal Loan |
As low as 8.99%2 |
60 months |
| Student Loans (Student Choice) |
As low as 6.25%3 |
|
| Share Secured |
Share Rate +3% |
120 months |
| Certificate Secured |
Certificate Rate +3% |
120 months |
| QuickCA$H Line-of-Credit |
12.25% |
|
| VISA Platinum Card |
11.88% fixed |
|
| VISA Gold Card |
12.96% fixed |
|
| VISA Classic Card |
14.88% fixed |
|
| VISA Secured Card |
17.90% fixed ($25 Annual Fee) |
|
Disclosures
Visa® Credit Cards
Thank you for your interest in an Sb1 Visa Credit Card.
Please review our Visa Credit Card Disclosure and Agreements for the card that you're interested in applying for below before clicking the "continue" link at the bottom of this page to proceed with your online application.
Visa Gold Disclosure and Agreement
Visa Platinum Disclosure and Agreement
Visa Classic Disclosure and Agreement
| Visa Gold |
| Annual Percentage Rate (APR) for purchases |
12.96% |
| Other APRs |
Cash advance APR: 12.96%
Balance transfer APR: 12.96% |
| Variable rate information |
N/A |
| Grace period for repayment of the balance for purchases |
25 days for purchases. |
| Method of computing the balance for purchases |
Average Daily Balance (including new purchases) |
| Annual fees |
None |
| Minimum finance charge |
None |
| Transaction fee for purchases |
None |
Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00
| Visa Platinum |
| Annual Percentage Rate (APR) for purchases |
11.88% |
| Other APRs |
Cash advance APR:11.88%
Balance transfer APR: 11.88% |
| Variable rate information |
N/A |
| Grace period for repayment of the balance for purchases |
25 days for purchases. |
| Method of computing the balance for purchases |
Average Daily Balance (including new purchases) |
| Annual fees |
None |
| Minimum finance charge |
None |
| Transaction fee for purchases |
None |
Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00
| Visa Classic |
| Annual Percentage Rate (APR) for purchases |
14.88% |
| Other APRs |
Cash advance APR: 14.88%
Balance transfer APR:14.88% |
| Variable rate information |
N/A |
| Grace period for repayment of the balance for purchases |
25 days for purchases. |
| Method of computing the balance for purchases |
Average Daily Balance (including new purchases) |
| Annual fees |
None |
| Minimum finance charge |
None |
| Transaction fee for purchases |
None |
Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00
| Visa Secured |
| Annual Percentage Rate (APR) for purchases |
17.90% |
| Other APRs |
Cash advance APR: 17.90%
Balance transfer APR:17.90% |
| Variable rate information |
N/A |
| Grace period for repayment of the balance for purchases |
25 days for purchases. |
| Method of computing the balance for purchases |
Average Daily Balance (including new purchases) |
| Annual fees |
$25.00 |
| Minimum finance charge |
None |
| Transaction fee for purchases |
None |
Transaction fee for cash advances: $0.00
Late-payment fee: $20.00 (after 15 days)
Over-the-limit fee: $0.00
Over-the-credit-limit fee: $0.00
Balance transfer fee: $0.00
