Reward Yourself This Holiday Season

Now is a great time to get a VLFCU Rewards Visa Credit Card, especially with increased spending during the holiday season. Manage your budget more efficiently and avoid the burden of hefty interest charges that can quickly derail your budget as the year ends.

Instead of relying on high-interest merchant credit cards for purchases this holiday season, our Rewards Visa Credit Card minimizes your borrowing costs. Whether it is an emergency repair or holiday shopping, you can spread out payments while keeping more money in your pocket. The introductory rate of 1.99% APR applies for six months after you open the VLFCU Visa. After this introductory period ends, the APR will vary but will not exceed 18.00% APR. There is no annual fee, and you earn 50,000 ScoreCard™ Rewards points when you spend $4,000 within 90 days of opening your account!

Use your Rewards Visa Credit Card to take advantage of early Black Friday sales and earn cash back or points on your purchases – turning shopping into savings. It is also an ideal time to explore travel deals, making pre-holiday getaways or visits to loved ones more affordable and enjoyable. Earning ScoreCard™ Rewards points on everyday purchases, our Rewards Visa ensures that whether you are stocking up for the festive season or enjoying a crisp autumn adventure, your spending is always working to your advantage. By strategically using a Rewards Visa for purchases you’d be making anyway, you essentially get a bonus on those expenditures.

Embrace the opportunities presented by the autumn season and get a head start on the holiday season! Apply online or visit one of our five convenient branches in Sandusky, Huron, Norwalk, and Vermilion to take advantage of our Rewards Visa Credit Card promotion before November 30th. And remember, we offer full service for all your financial needs. Mortgages, HELOCs, auto loans, personal loans, checking accounts, savings accounts, and more are all here waiting for you. Call us today at 800.691.9299 to experience the credit union difference.

Membership eligibility is required with a minimum deposit of $5.00 in a Share/Savings Account. Member must be in good standing with VLFCU. No promotions are eligible with any other offer or discounts. 1. APR= Annual Percentage Rate. 2. Introductory rate of 1.99% APR applies for six months after you open the VLFCU Visa. After the introductory period ends, the APR will be (Prime + 6.90% to Prime + 17.90% as published in the Wall Street Journal), based upon your creditworthiness. APR may vary but will not exceed 18%. Foreign transaction fees up to 1% of each transaction amount applies to purchases made outside of the U.S., regardless of whether you are located inside or outside the United States at the time of the transaction. You will qualify for 50,000 ScoreCard™ Rewards points if you use your new Visa card to make any combination of purchase transactions totaling at least $4,000 (exclusive of any balance transfers, cash advances, transaction fees, returns, adjustments or other cash equivalent purchases such as money orders, gift cards or prepaid cards) that post to your account within 90 days of the account open date. Points can be redeemed for cash back via a statement credit, gift cards or merchandise (50,000 points are estimated to be $400 in cash value). Earned points are redeemable only through the Scorecard™ Rewards point redemption website. Please allow up to 12 weeks after the 90-day period for the 50,000 points to post to your rewards balance (no later than 3/31/2026). Limit of one promotional offer at account opening. Offer valid for accounts opened between 10/15/2025 and 11/30/2025. Subject to change or cancellation without notice.