Leader Dog Visa

Show the world you support the paws with the Leader Dog Visa credit card! Earn rewards for yourself and increase the Share the Rewards monthly donation to Leader Dogs for the Blind with every purchase!

Access My Visa Account

Summary

Unleash these exclusive benefits with your Leader Dog Visa:

  • Share the Rewards donations to Leader Dogs
  • Cardholder Rewards! points
  • Greater Rochester Area local discounts**
  • Enjoy all the perks of a Chief Financial Credit Union Platinum Card

Enjoy an introductory 0.00% APR* for the first 6 months!

Chief Financial Credit Union Platinum Card Perks
  • No annual fee
  • Zero fraud liability
  • Purchase security and extended protection
  • Return protection
  • Auto rental collision damage waiver
  • $1,000,000 travel accident insurance
  • EMV chip for added safety and security

*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 Leader Dogs for the Blind or Chief Financial Federal Credit Union. These discounts are offered at the sole discretion of the merchant.

1Share the Rewards Program:

Chief Financial Federal Credit Union (“Chief Financial”) will donate to Leader Dogs for the Blind (“Leader Dogs”) a percentage of the new net retail purchase transaction volume (“net purchases”) charged to the Leader Dogs for the Blind VISA 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 may not be made for cash advances, convenience checks, traveler’s check purchases, finance charges, balance transfers, late fees, annual fees, over-limit fees, transaction fees, returned check fees, ATM transactions and fees or PIN transactions. Donations are made by Chief Financial in accordance with agreements with Leader Dogs 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 without written notice. Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of Columbia.

2Rewards! Program:

Cardholders will earn Rewards! (“points”) for purchases of all eligible goods and services using the participating Chief Financial Federal Credit Union’s (“Chief Financial”) credit card (“card”). Accrual of points may begin on the date the card and the card agreement is received by the cardholder. Point earnings are based on the new net retail purchase transaction volume charged to the card during each periodic billing cycle (“billing cycle”) by the cardholder(s) (“net purchase(s)”). Points may not be combined with any other loyalty/frequency reward program. Points will not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, balance transfers, late fees, annual fees, over-limit fees, transaction fees, returned check fees, ATM transactions and fees or PIN transactions. Chief Financial reserves the right to award bonus points to selected cardholders. The Rewards! program is a service provided through Augeo Consumer Engagement Services, LLC, and Chief Financial Credit Union. In the event of fraud, abuse of program privileges or violation of the program rules (including any attempt to sell, exchange, or transfer points or the instrument exchangeable for points), Chief Financial Credit Union reserves the right to cancel cardholder’s membership in the Rewards! program. 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 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.

Visit www.manage-my-rewards.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 credit worthiness.

9.24% - 17.24%. 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.

12.24% - 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

12.24% - 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

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

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
  • Cash Advance
  • Foreign Transaction

 

Either $10.00 or 3% of the amount of each transfer, whichever is greater.

Either $10.00 or 3% of the amount of each cash advance, whichever is greater.

2% of each transaction in U.S. dollars.

Penalty Fees

  • Late Payment
  • Returned Payment

 

Up to $35.00

Up to $35.00