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A Program for Students & Graduates
TEEN SMART CHECKING/VISA CHECK CARD
A Teen Smart "No Fee"* checking is available to all Visions Federal Credit Union members ages 13-21 years old.
- Write your own checks to pay for those CD's you ordered, make your loan payment, and more!
- First order of 50 personalized checks are FREE when you open your Teen Smart checking.
 The perfect complement to a credit union checking account is a VISA Check Card**. Accepted wherever you see the VISA logo. Use your check card
for all types of purchases - from groceries to computer supplies. The money comes directly from your checking account.
A great card to have when you're away at school, traveling, whatever. No check cashing hassles or ID requirements.
Apply for one at any office or by phone.
* The checking account is a no minimum balance, no dividend account.
** Must be 16 years of age to have a check card. Visa Check Card is subject to a fee of $1 in any month for which no purchase transaction is made.
STUDENT VISA
Full time college or trade school students at least 18 years old, may apply for up to $1000 credit line with no co-signer
requirement.
 To qualify you must provide proof of school enrollment, student ID, and demonstrate credit worthiness.
For greater amounts up to $2,000 a co-signer is required but the card is in your name.
There is no annual fee, a low rate and there is a 25 day grace period for all purchases.
The credit union VISA may be used in all network ATMs.
The current Annual Percentage Rate is 7.90%1.
1The rate is variable and may change monthly.
Must be a member of Visions Federal Credit Union, a membership fee of $1.00 is required with a minimum balance of $25.00.
SMART START LOANS
The Smart Start program is designed to help younger credit union members (18-25 years old) establish a credit history
and good financial practices.
Who Qualifies
Credit union members 18-25 years old who fit one of these two categories:
- High school graduates or those students who did not graduate from college or trade school. Depending on your job and credit history,
you may need a co-signer. However, your loan and/or credit card will be in your name so you can start building a credit rating.
- Graduates of college or trade school, even those who haven't started working. If you are currently working (or have accepted a job)
in your field of study and meet income stream requirements, you don't need a co-signer at the credit union. If you demonstrate credit worthiness, you can get a Smart Start loan or credit card quickly.*
No Cash Down on an Auto Loan
If you can afford to make car payments, the credit union waives the down payment if you are eligible for Smart Start.
You get 100% 48-month financing on a new, late-model or used car, covering the full purchase price or the NADA 'book value', whichever is less.
No Fee MasterCard
There's no annual fee for the first year when you open a MasterCard account. After the first year, the annual fee is $12.
Smart Starters begin with a $1,000 credit line. The current Annual Percentage Rate is 5.90%1.
1This rate is dependent on credit worthiness.Please see the Credit Union to find out the rate you qualify for.
Total Financing To Buy a Personal Computer
Smart Starters are eligible for 100% financing (price plus sales tax) to purchase a personal computer.
* Proof of employment and salary is required. Applies to auto, computer and MasterCard only.
Loan approvals subject to standard credit requirements.
The rate is variable and may change monthly.
Must be a member of Visions Federal Credit Union, a membership fee of $1.00 is required with a minimum balance of $25.00.
Additional Information
If you don't qualify now for a credit card or loan you may still join Smart Start and get an ENTRY or VISA check card.
Either one can be used to make deposits or withdrawals, cash checks or make other transactions at any of the credit union's offices or at
any of the thousands of electronic networks across the country.
Join Today!
For more information, call us today or visit any credit union office.
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