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Po polsku
Routing/ABA Number: 226082022
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VISA Promo


1.99% APR1 until September 2023 on all purchases made between
August 1 and September 30, 2022!


No activation or point calculation. Just use your Polish & Slavic Federal Credit Union consumer credit card between August 1 and September 30, 2022 on all purchases, and you will automatically get 1.99% APR1 until September 2023!That's perfect for all your back-to-school or gas and grocery purchases.

Who qualifies?
All existing consumer credit cards except for secured cards and cards that are subject to any of the exclusions criteria listed below. Members must be in good standing.

Exclusions: Business credit cards, Secured credit cards, accounts that are currently delinquent or with history of delinquency within the last 12 months; accounts already carrying promotional APR including new accounts with introductory rates and student cards opened after 5/31/2022; accounts flagged for no reissue; accounts with no plastic issued; accounts with no, missing or invalid Credit Bureau Score or Credit Bureau Score less than 640; accounts that exceeded their credit limit, frozen or in modification.

What is the enrollment process?
All qualifying existing consumer credit cards are automatically enrolled.

What type of purchases are eligible for the promotional APR?
All retail purchases made with the qualified credit card between August 1, 2022 and September 30, 2022. This includes retail purchases made online or in person, using physical or digitally stored card.  

How will I know if my card qualifies for the promotional APR?
There are several ways: 

  1. Review the exclusion list to see if you are subject to any of the disqualifying factors.
  2. Check your email: all members that have valid email address on file and have not opted out from receiving emails from us, will receive an email with the campaign details.  
  3. Check your credit card account statement: all purchases that are subject to promotional APR will appear on your statement as such.
  4. Login to your account through online banking, go to Credit Cards and if your card is qualified, you will see a custom banner with the campaign details. 
  5. Contact us 

How can I learn more about the different ways I can use my Visa PSFCU Credit Cards?
Great question! Visa offers many educational videos and materials related to this subject. Here are some examples:


1. APR = Annual Percentage Rate.
2. This offer is non-transferable and not valid for deposits or payments to PSFCU accounts. Special rates are valid only for purchases made by September 30, 2022 for the promotional APR to apply. Any transactions processed after the promotional period will incur finance charges at your card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. New purchases and cash advances will carry your card’s standard rate. If you have not activated your credit card, please call 1-800-631-3197 to do so prior to making transactions.
3. For the promotional period of August 1, 2022 – September 30, 2022, your APR (Annual Percentage Rate) on back-to-school purchases will be 1.99% APR. In order to qualify, the account needs to be in good standing, not delinquent and with no history of delinquency. Also excluded are business accounts closed and temporarily blocked (authorization prohibited) accounts, new accounts (less than 12 months on books), accounts that exceeded their credit limit, currently delinquent or with history of delinquency in the past 12 months. Cash advances and finance charges do not qualify for the promotional APR. This offer expires September 30, 2022. The promotional APR on eligible purchase transactions posted between August 1, 2022 and September 30, 2022 will end according to your September 2023 billing cycle date. After that, the APR on any remaining promotional purchase balances will revert to your standard APR.
4. If your card was recently replaced with a different account number, please contact us for assistance.
Polish & Slavic FCU is Federally Insured by the NCUA and is an Equal Housing Lender.

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