Credit Cards

Make everyday purchases with the power of Visa®. Our cards include no fees, low rates, and plenty of convenience.

 

Rates

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Anytime Access
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  • No annual fee
  • A low fixed interest rate
  • Contactless payment feature
  • Apple, Google and Samsung Pay enabled
  • Flexible payment (2% of balance or minimum $25)
  • No fee cash advances
  • Zero liability fraud protection on purchases
  • No annual fee
  • A low fixed interest rate
  • Contactless payment feature
  • Apple, Google and Samsung Pay enabled
  • Flexible payment (2% of balance or minimum $25)
  • CardCash Rewards Program:
    • Get 1% cash back on all purchases
    • No minimum spend requirements and no annual limit
  • Zero liability fraud protection on purchases
  • Credit limits available from $250 to $2,500
  • Deposit is made into a special secured savings account
  • The amount deposited equals 110% of your credit limit
  • No annual fee
  • A low fixed interest rate
  • Contactless payment feature
  • Apple, Google and Samsung Pay enabled
  • Flexible payment (2% of balance or minimum $25)
  • No fee cash advances
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APR = Annual Percentage Rate. OAC = On Approved Credit. Applications are subject to credit approval. Your rate and credit limit will be determined by individual creditworthiness including income, debt ratio, employment and credit history. Must be 18 years of age to qualify. Verification of income may be required.

 

EMV 3DS OTP code terms and conditions for online transactions using your debit and credit card

Please read these terms and conditions in its entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below.

1. When making an online transaction that requires OTP, the OTP will be sent to your mobile phone number already registered in Clarity Credit Union’s system via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Clarity Credit Union is not responsible for the rejection by such merchant to accept your card payments on the basis of this.

2. By using this OTP service:

a. You agree to provide your data required for the transaction authorization process in the use of this OTP service.

b. You agree to keep the confidentiality of your card number or personal information that you have entered to this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences relating to all transactions that have taken place using this service.

c. You understand that OTP service can be used only for transactions at the merchants online that have EMV 3DS.

d. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions.

e. You understand that messages and data rates may apply for using this service.