All JetStream Federal locations will be closed on Monday, February 19th, in observance of the Presidents’ Day holiday. The Miami Lakes and Doral branches will be open, Saturday, February 17th, from 9:00 am – noon.

VISA Credit Cards

 

JetStream Federal’s Visa Credit Card Programs are tailored to fit your lifestyle, providing you with the flexibility to handle credit the way you want and with a wide range of benefits to save you money.

Preferred
Preferred Visa card
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Business
Visa Business Card
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Secured
Secured Visa
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Classic
Classic Visa
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Low Annual Percentage Rate – rates as low as 11.15% with Preferred Card and No Annual Fee or Balance Transfer fee

Online account access – you can manage your Visa Credit Card through Home Banking and Credit Card Access Point. You can view your purchase history, statements and make your monthly payment online. Monthly e-statements are also available

Protection – with the added security of an embedded chip, your Visa Credit Card uses secure technology to better protect your card from fraud. Plus, Visa offers Zero Liability fraud protection, Free fraud monitoring, Travel and Emergency Assistance Services (Business Card), and Auto Rental Collision Damage Waiver

Alerts (text or email) – Set up alerts on your account for unauthorized purchases, account changes and due date reminders through our online Credit Card Access Point

Rewards Program – (Preferred Card/Business Card members only) The more you use your card, the more points you earn! Points can be redeemed for cash, unrestricted travel, merchandise, gift cards and your points don’t expire with a JetStream Federal Visa Card

Worldwide acceptance of Visa – Your JetStream Federal Visa Card is accepted worldwide at any location that displays the Visa logo

APPLY NOW

PREFERRED VISA/VISA/VISA SECURED
APPLICATION & SOLICITATION DISCLOSURE

Maximum Limits:               VISA  $20,000
                            Secured VISA  $2,000

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

 
Preferred Visa
11.15% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa
10.15% to 17.99%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
14.15%

This APR will vary with the market based on the Prime Rate.


APR for Balance Transfers


Preferred Visa
11.15% to 18.00% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa
10.15% to 17.99% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
14.15%
This APR will vary with the market based on the Prime Rate.


APR for Cash Advances


Preferred Visa
11.15% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa
10.15% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Secured
14.15%
This APR will vary with the market based on the Prime Rate.


Penalty APR and When it Applies


Preferred Visa
18.00%

Visa
18.00%

Visa Secured
18.00%

This APR may be applied to your account if you:
   - Make a late payment

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

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 interest on purchases if you pay your entire balance by the due date each month.
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 Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Fee
• Cash Advance

• Foreign Transaction Fee
 
None
$10.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $100.00)
2.00% of each transaction in U.S. dollars
Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment

Up to $37.00
None
Up to $37.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date: The information about the costs of the card described in this application is accurate as of January 15, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Preferred Visa, Visa and Visa Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

 

OTHER DISCLOSURES

Late Payment Fee $27.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge): $10.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $100.00.
Returned Payment Fee $27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee $10.00
Pay-by-Phone Fee $5.00
PIN Replacement Fee $2.00
Rush Fee $35.00

 

ROUTING NUMBER #267080355

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