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Checking and Savings

Enjoy an introductory 0% APR* on purchases and transfers on
new credit card accounts


0% Fixed Introductory APR on All Your Purchases
0% APR means no interest on anything you purchase for three billing cycles. No interest on cash advances, too. After that, you'll continue to save with a low variable rate. And there is no annual fee.

Imagine paying NO finance charges at all. It can happen when you lock in this 0% fixed introductory rate.

0% Fixed Introductory APR on Balances You Transfer
Transfer balances from higher rate loans** and credit cards to our Visa Platinum. You'll pay no finance charges on all transfers for the first three billing cycles that your account is open. And there is no transfer fee.

Think of the savings! And afterward, you'll enjoy another breakthrough with a low variable APR. Click here for the current rates***. That's right! No interest on transfered balances for three months, then continue to save with one of the lowest monthly rates around.

*Annual Percentage Rate
**Excluding current SDFCU loan balances.
***The Credit Union reserves the right to deny credit or approve a credit limit lower than the one requested for this card. If you do not qualify for the VISA Platinum Card, you may be offered another credit card.



Our Platinum Card offers privileges reserved for the select few at no cost to members. You can enjoy:
  • No Annual Fee
  • Free Year-End Account Summary
  • Unsurpassed Worldwide Acceptance
  • 25-Day Grace Period
  • Higher Spending Limits up to $100,000
  • Optional rewards program
Your monthly payments are sure to be made on time with our variety of automatic payment options available through your SDFCU checking account. You'll also be able to use our free credit card 24-Hour phone Information Service to receive credit card account information day or night.

View and pay your credit card bill online! Enjoy all the benefits of our credit card 24-hour information service from the convenience of your home or office computer! Click here for more information.

Use our Online Loan Application to apply for your SDFCU Visa Platinum card today and start enjoying the perks, privileges and interest-free savings.

Travel and Emergency Assistance Services
Inside US 1-800-992-6029
Outside US/Collect 0-804-673-1675

  • Emergency Message Service: Record or relay messages to immediate family or business associates.
  • Medical Referral: Provides medical referral, monitoring and follow up.
  • Legal Referral: Arrange contact for attorneys and US embassies or consulates.
  • Emergency Transportation: Arrange transportation home or to nearest medical facility.
  • Emergency Ticket Replacement: Assistance with carrier's lost ticket reimbursement.
  • Lost Luggage: Help through carrier's claim procedures or arrange shipment or replacement items.
  • Emergency Translation: Provides telephone assistance and locates local interpreters.
  • Prescription Assistance: Helps in getting prescriptions replaced.
  • Valuable Documentation Delivery: Transport critical documents left at home or elsewhere.

Concierge Service
1-800-895-8518

Service can assist with booking vacations, obtaining theatre tickets, restaurant reservations, floral delivery and much more.

Emergency Card/Cash Replacement
1-800-VISA-911

Card Replacement:
Member can receive card replacement day or night in as little as 24 hours in the US and as quickly as one business day outside the US.

Cash Disbursement: Member can receive up to $5,000 in emergency cash usually within 24 hours. This benefit is for EMERGENCY REPLACEMENT/DISBURSEMENT ONLY. Emergency is defined as card/funds needed to check out of a hotel or for transportation etc. This benefit should only be used in extreme emergencies. Unless otherwise stated Members should follow normal lost/stolen procedures.

Auto Rental Collision Damage Waiver
Inside US 1-800-VISA-911
Outside US/Collect 0-410-581-9994

Provides coverage when certain terms and conditions are met. Reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. It is important for the member to read and understand the terms and conditions of this benefit. There are specific countries, determined by VISA not covered under this benefit.

Lost Luggage Reimbursement
Inside US 1-800-757-1274
Outside US/Collect 0-804-673-6496

Member is eligible to receive reimbursement for checked luggage, carry-on luggage and its contents for the difference between the value of the amount claimed and the common carrier's payment up to $3,000.

VISA Assistance Center
Inside US 1-800-VISA-911
Outside US/Collect 0-410-581-9994

Your source for VISA card benefits.

Lost or Stolen Card Reporting
Inside US 1-800-VISA-911
Outside US/Collect 0-410-581-9994

One call to cancel card and to request an emergency replacement. Members under normal circumstances should call 1-800-449-7728 or 1-800-296-8882 for non-emergency lost/stolen cards.

Travel Accident Insurance Plan
Inside US 1-800-337-2632

Provides members with up to $100,000 in life insurance should the member, member's spouse or dependent children be in an accident which causes a loss of life, limb, sight speech or hearing.

Additional contact information:
DFS&A Insurance Agency, Inc.
80 West Upper Ferry Road
Suite 5, PO Box 77358
Ewing, NJ 08628

Delayed Baggage Claim
1-800-337-2632

Provides for essential items when baggage is delayed or misdirected for more than 4 hours from the time the member arrives at the destination. Maximum benefit is $300.

Additional contact information:
DFS&A Insurance Agency, Inc.
80 West Upper Ferry Road
Suite 5, PO Box 77358
Ewing, NJ 08628

Important Foreign Transaction Fee Information
Click here to get the facts about the Foreign Transaction Fee.



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