Contactless Visa® Credit Cards
Our Visa Credit Cards are CONTACTLESS! No need to insert your card into a payment terminal- making purchases quick, easy, and secure!
At Evansville Federal Credit Union, we have two credit card options - an EFCU Classic Visa® and an EFCU Platinum Visa®, both with great benefits and no annual fee!
Download our free mobile app EFCU Credit today! This mobile app is different than our other banking app...EFCU Credit is specifically for your EFCU Credit Cards and Home Equity Lines of Credit. Make payments, view transaction history, set controls, and so much more! Download for free in the Apple App Store (for iPhones & iPads) and Google Play (for Android devices).
Interested in applying for an EFCU Visa Credit Card? Apply through our free EFCU mobile app (from your mobile/smart device), online, in-branch, or call to speak with a loan officer today at 812.424.2621 Option 3.
Mobile Wallets are LIVE- Apple, Google & Samsung Pay
What is a mobile wallet?
Carry your favorite cards on your devices so you can pay in-person, in-app, or online. A digital wallet is a system that securely stores users' payment information and passwords for numerous payment methods and websites. By using a digital wallet, users can complete purchases easily and quickly with near-field communications technology. They can also create stronger passwords without worrying about whether they will be able to remember them later.
How do you use Apple Pay?
- To use your default card, double-click the side button, then glance at your iPhone to authenticate with Face ID, or enter your passcode.
- Hold the top of your iPhone within a few centimeters of the contactless reader until you see "Done" and a checkmark on the display.
How do you use Samsung Pay?
- Make a payment using the app. When you're ready to pay, open Samsung Pay on your phone. Tap Pay, and select your preferred card.
- Tap PIN or IRIS, and then enter the required security information. Or if you have fingerprint security set up, simply place your finger on your phone's fingerprint scanner.
How do you set up and use Google Wallet?
- Download the app on Google Play or the App Store, or visit play.google.com.
- Sign in to your Google Account and add a payment method.
- If you want to use Google Wallet in stores, check to see if your phone has NFC.
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- Pay online
- Stop by any EFCU branch
- Call us at 812.424.2621 option 2 (no charge)
- Call customer service at 855-511-8980 (must have credit card number, routing number and account number). You will be charged a $3 fee.
Say goodbye to high rate credit cards with EFCU! For a limited time, you can transfer the balances from your higher interest credit cards to an Evansville Federal Credit Union Visa Platinum Card and receive 7.9% Annual Percentage Rate for 12 months from the posting date of the transfer!*
You could save yourself hundreds of dollars over time when you switch to an EFCU Platinum Visa® Credit Card. Plus, we don't charge any balance transfer fees.
*Transfers available to EFCU Platinum Visa Cards only. Transfers post as a cash advance. If payment is received late once during the promotional period, the rate will revert to the prevailing cash advance APR. As of January 2025, the cash advance APR for EFCU Platinum Visa credit cards is 9.9%. Existing EFCU balances are excluded from receiving this promotion. Payments and credits will be applied to the promotional balance first. Continue to make the minimum payment on any bills you receive during the transfer processing period in order to avoid past-due notices and charges.
There is a special protection feature on EFCU's Visa® Credit Cards. FALCON is a fraud detection system that checks every authorization made on your card for the possibility that fraudulent activity may be taking place. If it recognizes possible fraud, it will call the phone number associated with your EFCU Visa® Credit Card, up to four times in 48 hours to determine the validity of the transaction. If you cannot be reached, it may freeze your card to protect you from possible fraud.
It is important that we have the most current information on file, so please alert us if your phone number has changed. Also, if you plan to travel, you may want to let us know so that we can recognize out of state transactions as vacation purchases. Please call 812-424-2621, option 5 if you have any questions about our Visa® Credit Card protection feature.
24 hrs, 7 days a week
Call 1-855-511-8980 to report your VISA card lost or stolen.
If out of the country, call collect at 1-727-299-2449.
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Interest Rate and Interest Charges |
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Annual Percentage Rate (APR) for Purchases |
Platinum – 9.9% Classic – 15% Based on your creditworthiness. |
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APR for Balance Transfers |
Platinum – 9.9% Classic – 15% |
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APR for Cash Advances |
Platinum – 9.9% Classic – 15% |
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How to Avoid Paying Interest on Purchases |
You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances. |
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Minimum Interest Charge |
None |
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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 website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
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Maintenance and Set-up Fees Annual Fee Additional Card Fee |
Notice: Some of these set-up and maintenance fees may be assessed before you begin using your card and will reduce the amount of credit you initially have available. None None |
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Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee |
None None 1% of each transaction in U.S. dollars |
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Penalty Fees Late Payment Fee |
Up to $20 assessed five (5) days after due date. |
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Other Fees Draft Copy Fee Replacement Card Fee Statement Copy Fee Card Center Phone Payment Fee |
$3 $5 (for lost cards only) $2 $3 |
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To view the full disclosure as a PDF, click here. |
