• No annual fee
• Low, fixed rate. Click here for current Annual Percentage Rate (APR)
• True 25-day interest-free grace period including balance transfers (even when your balance is not paid in full each month)
• Free $100,000 automatic worldwide travel accident insurance
• Free auto rental insurance
• $500 minimum credit line
• Enhancement Options:
  $0.15 per retail transaction rebate
  That's right! The DCECU VISA Classic can actually pay you to use your card. For each retail purchase you make, you can receive a 15 cent credit on your monthly statement.
  OR
  Eligible for potential DCECU loan interest rebate at year-end
  If you generally carry a balance on your credit cards, you will find that the loan interest rebate option can really benefit you. By selecting this enhancement option, your VISA account becomes eligible for the potential year-end DCECU loan interest rebate. Please note that while year-end rebates occur with great regularity, this credit union benefit is not guaranteed.
• Certain loan limits may apply.

• No annual fee
• Low, fixed rate. Click here for current Annual Percentage Rate (APR)
• True 25-day interest-free grace period including balance transfers (even when your balance is not paid in full each month)
• Free $250,000 automatic worldwide travel accident insurance
• $5,000 minimum credit line
• Free auto rental insurance
• Enhancement Options:
  TravelFree Rewards points program
  or
  Eligible for potential DCECU loan interest rebate at year-end
  If you generally carry a balance on your credit cards, you will find that the loan interest rebate option can really benefit you. By selecting this enhancement option, your VISA account becomes eligible for the potential year-end DCECU loan interest rebate. Please note that while year-end rebates occur with great regularity, this credit union benefit is not guaranteed.
  

• No annual fee
• Low, fixed rate. Click here for current Annual Percentage Rate (APR)
• True 25-day interest-free grace period including balance transfers (even when your balance is not paid in full each month)
• Free $1,000,000 automatic worldwide travel accident insurance
• Free auto rental insurance
• $7,500 minimum credit line
• Travel & Emergency Assistance
• Year-end Summary of Charges Statement
• Enhancement Options:
  CashBack Rewards program
  Or
  Eligible for potential DCECU loan interest rebate at year-end
  If you generally carry a balance on your credit cards, you will find that the loan interest rebate option can really benefit you. By selecting this enhancement option, your VISA account becomes eligible for the potential year-end DCECU loan interest rebate. Please note that while year-end rebates occur with great regularity, this credit union benefit is not guaranteed.
  

VISA^® Gold TravelFree^SM Rewards

Program Enhancement Option

For every dollar you spend using your DCECU VISA Gold card for retail purchases, you earn one point. Points can be redeemed for travel certificates or for merchandise from the TravelFree catalog. Travel certificates earn you credit towards a variety of travel-related services, including airfare, train, bus, hotel, rental car, cruises, etc. 2,500 points are the minimum needed to redeem merchandise and 5,000 points are the minimum for travel credit certificates.

Click here to access your TravelFree Rewards account

HOW TO EARN POINTS:
1 TravelFree Point = $1 Net Retail Purchase
2,500 Points = $25.00 towards merchandise
5,000 Points = $50.00 travel credit certificate or merchandise credit

WHERE TO MAIL CERTIFICATE AND RECEIPT:
RewardsNOW, Inc.
PO Box 828
Dover, NH 03820

TravelFree Points maximum is 35,000 annually. TravelFree points are based on your net retail sales which exclude cash advances, balance transfers, convenience checks and returned purchases.

TravelFree Points expire in five years if unredeemed. Points are utilized on a first in - first out basis.

TravelFree Statements are produced quarterly. You will receive your statements in January, April, July and October.

If you have any other questions please contact any of the following numbers for assistance:
TravelFree Rewards Hotline: (877) 332-9273
DCECU VISA Department: (989) 835-7794 or (800) 835-7794.

VISA^® Platinum CashBack Rewards

Program Enhancement Option

Your DCECU VISA Platinum card can reward you for using your card! By choosing the CashBack Rewards option, you earn rebate dollars on net retail purchases made with your card. Qualifying transactions include purchases of goods and services, which exclude cash advances, balance transfers, convenience checks, ATM withdrawals, payments, adjustments, finance charges, or any other account fee.

Your CashBack Rewards rebate is based on the total dollar amount of your qualifying purchase transactions, is paid to your VISA account in January of each year and is calculated as shown in the following schedule:

$0 to $2,500        = 0.25%
$2,501 to $5,000 = 0.50%
$5,001 to $7,500 = 0.75%
$7,501+               = 1.00%

For example, if you used your DCECU VISA Platinum card for $10,000 of net retail purchases during the year, your CashBack Reward would be $62.50!

SAMPLE
$10,000 Annual Net Retail Purchases
$2,500 x 0.25% = $6.25
$2,500 x 0.50% = $12.50
$2,500 x 0.75% = $18.75
$2,500 x 1.00% = $25.00
CashBack Reward = $62.50

If you have any other questions, please contact the DCECU VISA Department for assistance at (989) 835-7794 or (800) 835-7794.

• Online Consumer Loan Application, under the Loans menu in Cyber Connection home banking.
• Call the DCECU Loan Department at (989) 835-7794 or (800) 835-7794. One of our loan specialists will assist you over the phone 24 hours a day, 7 days a week.
• Stop in and talk to a loan officer.