Advanced Financial Credit UnionFCU Everyday Rewards VisaRegistry illustration · issuer artwork unavailable
FCU Everyday Rewards VisaAdvanced Financial Credit Union · federal credit union, NJ · NCUA 16785
CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Advanced Financial FCU Everyday Rewards Visa”
Balance transfer
—
Grace period
23 days
from cycle close
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Great credit | median 14.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Good credit | median 15.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Poor credit | median 16.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| All applicants | 14.24%–16.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for cash advances | |||
| Great credit | median 14.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Good credit | median 15.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Poor credit | median 16.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| All applicants | 14.24%–16.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | 23 days from the close of each billing cycle | — | — |
| How we calculate your balance | Average daily balance including new purchases | — | — |
| Annual fee | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Transaction fees | |||
| Cash advance | 1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Foreign transaction | 0.80% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty fees | |||
| First late fee | $35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Returned payment | — | no source read | |
| Other fees | |||
| Return payment | $35, When a payment made on an account is returned NSF.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Statement copy fee | $3, When a paper copy of a statement is requested after a mailed or electronic copy has already been delivered. May be waived especially for requests related to legal proceedingsConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Card Rush Fee | $65, For expedited issuance and overnight delivery of a card when requested by cardholder. Covers fees charged by our processor.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Over limit | $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Opening conditions | Must qualify as member of credit unionConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |