Skip to main content.
Link to CEFCU Home Page

If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.

Visit our accessibility help page.

Qualifying CEFCU Credit Mastercard accounts opened1 by December 31, 2019, can take advantage of special rates as low as 1.99% INTRO APR2, 3 for 12 months on Purchases and Balance Transfers.4

Plus, make five or more purchases totaling $500 or more within 90 days of the date the account opened and receive a $50 statement credit (for non-Rewards Cards) or extra bonus rewards points on qualifying transactions made within 90 days (for Rewards and World Credit Cards).5

As always, a CEFCU Credit Mastercard, the Nicest Card You'll Ever Carry®, delivers benefits like fuel rewards, travel perks, mobile payments, and so much more. Visit the Credit Card page to learn more.


1The term “account(s) opened” means the date that the account is entered on our credit card system, which typically is one to two business days after we receive your signed application.

2Intro APRs of 1.99% to 11.49% on Purchases and Balance Transfers will be assigned based on the individual applicant’s creditworthiness. After the introductory period ends, a variable APR of 10.50% to 20.00% (non-Rewards) or 11.50% to 21.00% (Rewards and World) on Purchases and Balance Transfers will apply, depending on your creditworthiness and a variable APR of 13.50% to 23.00% (non-Rewards) or 14.50% to 24.00% (Rewards and World) on Cash Advances will apply, depending on your creditworthiness. These APRs were in effect as of 9/1/19, and are subject to change quarterly with the national “Prime” rate. Contact CEFCU for full details.

3If there is a balance on your account and you haven’t paid it in full by the due date each month (including any introductory balance transfers posted to your account), you will lose your grace period on new purchases and interest will be charged on new purchases. We may end your introductory APRs and apply the Penalty APR if you make a late payment.

4You must be a CEFCU member in good standing. Intro APR will apply on Purchases for 12 months from the date the account opened. Intro APR will apply on Balance Transfers for 12 months from the date of the Balance Transfer, for Transfers completed during the first 90 days after the account opened. Each Balance Transfer posted during the introductory period will retain the introductory APR for 12 months from the posting date. The total amount of Balance Transfers and the outstanding balance on your account, including fees and interest charges, cannot exceed your available credit limit. See the Disclosures and Terms & Conditions, which will be provided at the time of application, for more details.

5For Rewards: Receive double points and for World receive an additional point for all total net sales transactions through merchants (less any return balances) within 90 days of the date the account opened (after 90 days you will earn the standard point(s) per $1 in net purchases, as defined in the Rewards Guide you receive after account opening) OR for non-Rewards: Make five or more purchases totaling $500 or more in total net sales transactions through merchants (less any return balances) within 90 days of the date the account opened to receive a $50 statement credit. Cash advances, balance transfers, and other select transactions are not included. Qualifying transactions must post to your Credit Card account within 90 days of the date the account opened. Cash back or points will be awarded via statement credit within 180 days of the date the account opened provided accounts are still open and in good standing as of the offer fulfillment date. Limit one offer per member; not valid for existing CEFCU Credit Card accountholders. Certain terms, conditions, and exclusions apply. Full details are in the Guide to Benefits that will accompany your new card.