Earn travel points on every purchase you make with a SchoolsFirst FCU Visa Rewards Card. The more you use the card, the more points you earn. Apply today to start earning points toward your dream vacation.

If your idea of traveling in high style is traveling in first class, you can now choose to use your travel points toward first and business class air travel within the continental U.S. and Europe.

In addition to expanded air travel services, there are new choices in hotel, rental car, and vacation packages that can help make your dream vacation a reality.

• All purchase amounts earn travel points
• Earn one point for every $1 in purchases
• 10,000 bonus enrollment points
• All major airlines are eligible
• No blackout dates
• Earn up to 100,000 points per year
• No expiration date for earned points
• Competitive interest rates (see rates below)

• $45 annual fee
• No cash advance, balance transfer, or over limit fees (travel points are not earned for cash advance or balance transfer transactions)*
• Minimum 25-day, interest-free grace period on purchases
• Online and automatic payments available
• Fraud detection security network
• Worldwide acceptance at over 23,000,000 merchant locations
• Access to more than 562,000 ATMs
• 24-hour access to online banking and TellerPhone
• Lost or Stolen Card Reporting Service at 800/847-2113
• Rewards Redemption Center Service at 877/809-5598

	Annual Percentage Rate (APR)	Loan Amount
Rewards Card - Variable Rate	9.90%; 11.90%; 13.90%; 15.90%	Up to $25,000
SchoolsFirst FCU has a loan program, which features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating and SchoolsFirst FCU account history. Rates quoted are effective as of 11/20/2008 and are subject to change without notice.