Caltech Employees Federal Credit Union

Student Visa

CEFCU: First Choice For Visa

A CEFCU VISA offers students the convenience of plastic without any gimmicks, hidden charges or fees. Basic qualifications include:

Full-time college student with a minimum of 12 units
21 years of age and older (Members under the age of 21 must have a qualified co-borrower or must provide verification of income sufficient to support the obligation.)
Satisfactory credit report reflecting no negative history

At CEFCU, you'll find none of the "rubs" so common with other VISA cards. Just down-to-earth value and money-saving benefits like:

Low, variable rate
NO annual fee
NO cash advance fee
NO finance charges on purchases if your balance is paid within our 25-day grace period
$200,000 travel accident insurance
Low minimum monthly payments.
Cash advances accrue interest from the date of advance.

With proof of registration and no derogatory or excessive credit, we'll grant the following VISA limits:

Undergrad Students (under the age of 21) Must Qualify
Juniors (age 21 & older) $1,400
Seniors (age 21 & older) $1,600
Graduate Students $2,500

So don't wait any longer for your VISA wishes to come true. Simply apply online by clicking on the WebLoan24 option after logging into CEFCU@HOME. If you're not yet a CEFCU@HOME user, you can still apply online. Prefer not to apply online? You may also complete a Loan Request and mail or fax it to the office location most convenient to you. At CEFCU we are ready to serve your savings and borrowing needs.

The rate for purchases, cash advances and balance transfers may vary as it is determined quarterly and will equal the US Prime Rate plus a margin of 6.00%; the rate will not be more than 18.00%. The Prime Rate is the highest bank prime rate as published in the Wall Street Journal's Money Rates section on the first day of the previous month prior to the change date. CEFCU may adjust your rate four times a year on the January, April, July, and October billing cycle.

All credit subject to approval.

CEFCU is an Equal Opportunity Lender.

To report a lost or stolen Visa Credit Card, please call (800) 449-7728. Representatives are available every day, 24 hours a day.