Rochester Christian University Credit Card
Support Your School, Earn Rewards
Show your Rochester Christian University pride while helping future generations thrive. With the RCU Credit Card, your everyday purchases help fund student scholarships while earning you valuable rewards and perks.
Support Education
- Fund student scholarships automatically
- Support future generations
- Automatic donations from Chief Financial
- Make a difference with every purchase
Earn Rewards
- 1 point for every $2 spent
- Up to 5x bonus points
- Redeem for cash back, travel, or gifts
- Track rewards through online banking
Premium Protection
- No annual fee
- Zero fraud liability
- Purchase security
- $1,000,000 travel insurance
- EMV chip technology
- Return protection
- Auto rental coverage
Turn Everyday Spending into Student Success
Chief Financial Credit Union will donate a percentage of your monthly purchases to the Rochester Christian University Student Scholarship Fund – automatically! There's nothing to sign up for and no qualifications to meet. Your everyday purchases help open doors to education.
Apply Today and Start Making an Impact
Take charge of your finances wherever life takes you.
Credit Card Disclosures
Rochester University Student Scholarship Fund Affinity Credit Card Agreement: CLICK HERE
*APR = Annual Percentage Rate. The introductory rate will be applied to purchases and balance transfers during the first six (6) billing cycles. Rates are subject to terms, conditions and credit qualifications. Rates are subject to change.
**Discounts may be offered by greater Rochester area merchants and are not determined or controlled by Rochester University or Chief Financial Federal Credit Union. These discounts are offered at the sole discretion of the merchant.
1 Share the Rewards Program:
Chief Financial Federal Credit Union (“Chief Financial”) will donate to Rochester University Student Scholarship Fund (“Rochester University”) a percentage of the new net retail purchase transaction volume (“net purchases”) charged to the Rochester University credit card (“card”) during each periodic billing cycle. Net purchases may begin qualifying for donation calculation on the date the card and the card agreement is received by the cardholder. Donations are made by Chief Financial in accordance with agreements with Rochester University and not on behalf of the cardholder. The donations are not eligible for tax deduction by the cardholder or any agent other than Chief Financial. Chief Financial reserves the right to award bonus donations in association with select cardholders’ net retail purchases. Chief Financial reserves the right to disqualify any cardholder from participation in the program. The Share the Rewards program is void where prohibited by federal, state or local law. Chief Financial reserves the right to change the terms and conditions of the Share the Rewards program. Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of Columbia.
2 Rewards! Program:
Visit curewards.com for the full Terms and Conditions of the Rewards! program.
Important Information About Procedures For Opening A New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The information that is being requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related to implementing customer identification and verification requirements.
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0.00% introductory APR for 6 months based on your creditworthiness. 13.49% - 18.00%. This APR will vary with the market based on the U. S. Prime Rate. Based on your creditworthiness when you open your account. |
| APR for Balance Transfers | 0.00% introductory APR for 6 months based on your creditworthiness. Please contact Card Services at 800-844-5440 to qualify. 16.49% - 18.00%. This APR will vary with the market based on the U. S. Prime Rate. Based on your creditworthiness when you open your account. |
| APR for Cash Advances | 16.49% - 18.00%. This APR will vary with the market based on the U. S. Prime Rate. Based on your creditworthiness when you open your account. |
| How to Avoid Paying Interest on Purchases | If you are charged interest, the charge will be no less than $2.00 |
| 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: consumerfinance.gov/learnmore. |
| Fees | |
| Annual Fee | None |
| Transaction Fees | |
| - Balance Transfer | Either $10.00 or 3% of the amount of each transfer, whichever is greater. |
| - Cash Advance | Either $10.00 or 3% of the amount of each cash advance, whichever is greater. |
| - Foreign Transaction | 2% of each transaction in U.S. dollars. |
| Penalty Fees | |
| - Late Payment | Up to $35.00 |
| - Returned Payment | Up to $35.00 |