Credit Cards

Our Visa® Platinum credit card program offers several options to fit your purchasing needs and preferences.

Program Features:Green shoes and phone with debit card image

  • No annual fee
  • Warranty manager
  • Emergency cash & card replacement - 24 hours a day/7 days a week
  • Rental car insurance
  • Rates do not change if you have a late payment
  • No liability on fraud as long as you comply with Visa® notice rules
  • Visa Alerts  - receive notifications about account activity. Sign-up!

     Apple pay      Google Pay     Visa Checkout

Visa® Platinum Reward Credit Card

This card gives you the ultimate freedom of choice. As you use your card, you'll accumulate one point for every dollar spent that you can redeem for account credit or a selection of merchandise, travel, event tickets and/or activities.

  • Rates as low as 9.45% APR*
  • All Visa® Platinum cardholders can use their reward points towards a donation to select charities. Click Here for instructions on how to redeem your reward points or Visit our rewards site for more information.

Addison County Home Health and Hospice logo  Age Well Logo  Boys and Girls Club of Greater Vergennes logo  Franklin County Animal Resue logo  Ronald McDonald House - Burlington, Vermont logo

Visa® Platinum Credit Card

This card provides a lower rate without the rewards.

  • Rates as low as 7.45% APR*

 Limited Time - Balance Transfer

Transfer your balance from your high rate card and save more. Pay down your existing debt faster.

  • Introductory 2.00% APR*** for 12 months
  • No balance transfer fee with our Visa® Platinum or Visa® Platinum Rewards credit cards

Already have a Vermont Federal Credit Card? Simply complete the Credit Card Balance Transfer Form.

Interested in signing up and transferring your balance? Complete the Credit Card Balance Transfer Form and Online Application.

First Time Borrower Visa® Credit Card

The perfect card for first time borrowers who want to establish a positive credit history.

  • Rates vary based upon credit history
  • $1,000 credit line
  • No co-signer required
  • Proof of income required
  • Minimum 1 year of employment history
  • No annual fee

Share Secured Visa® Credit Card

The perfect card for members who want to establish a positive credit history while securing the card with their share account.

  • Rates as low as 7.45% APR*
  • $1,000 minimum credit line
  • No annual fee

Visa® Gift Cards

Simplify your gift giving with the perfect gift for anyone: a Visa® Gift Card. This card gives the recipient the flexibility and convenience to choose where to go and what to buy.

  • Available in whole dollar amounts from $25 to $750
  • May be used at most merchants where Visa® is accepted**
  • Purchase at any Vermont Federal Credit Union branch location
  • $2.50 fee per card
  • Visa® Gift Card Terms & Conditions
  • Register your Visa® Gift Card

New Credit Card Payment Address

The address to remit credit card payments will change effective for all statements after November 2019. If you pay your credit card bill by mail, please remit all future payments to the follow address:

Vermont Federal Credit Union
P.O. Box 37035
Boone, IA 50037-0035

If you have any questions, please call our Call Center at (888) 252-0202.

For Lost/Stolen Card Services 24-Hour Support:

If your credit card is lost or stolen, please call (800) 234-5354


*The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 4.70% on the Visa® Platinum Rewards Card and 2.70% on the Visa® Platinum card. Rates quoted are "as low as" and may vary based on your individual credit. Must be a member of the Credit Union to obtain a credit card. All loans are subject to approval. Click Here for additional disclosures.

**Certain vendors require a minimum amount on a card for prepayment purchases such as gas, hotel deposits, incidentals and rental cars. Be sure to check with the individual vendor prior to use.

***APR=Annual Percentage Rate. Balance Transfer promotional rate is valid on new card transfers made on and after June 19, 2019. Promotional rate on balance transfers will revert to existing APR after twelve month period. As of 11/5/19, those rates are as low as 9.45% APR for Visa® Platinum with Rewards and 7.45% APR without rewards, but may change prior to end of promotional period. The APRs are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 4.70% on the Visa® Platinum Reward Card and 2.70% on the Visa® Platinum. Points are not rewarded on balance transfers or cash advances. Rates quoted are “as low as” and may vary based on your individual credit. Must be a member of the Credit Union to obtain a credit card. All loans are subject to approval.


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