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You can join FRSA Credit Union if you work in the roofing, sheet metal and air conditioning industries or live, work, attend school, or worship in the Winter Park, Florida 32792 zip code.



 

Loan Rates

As of September 14, 2011
Call or Email for more information

Loan Rates

New Autos (2010 & 2011) As low as 3.99% APR*1
Used Autos (2009 & older) As low as 5.50% APR*
New Boats As low as 6.99% APR*
Used Boats As low as 6.99% APR*
New Motorcycles As low as 6.75% APR*
Used Motorcycles As low as 6.75% APR*
New Recreational Vehicles As low as 8.75% APR*
Used Recreational Vehicles As low as 8.75% APR*
Personal As low as 9.99% APR*
Payday Alternative As low as 18.00% APR*
Share Secured As low as 3.75% APR*
Equipment As low as 8.00% APR*
VISA Credit Cards As low as 14.90 APR*

*All rates are Annual Percentage Rates and are subject to change. Rates are based on individual's creditworthiness.
1 Call us to see if we are able to match a dealer rate

VISA Card Disclosure
The information about the cards described above is accurate as of 3/10. The information may have changed after that date. To find out what may have changed, call, write or E- mail us at the number or address listed on the Contact page.

Annual Percentage Rate (APR) for purchases

14.90%
APR for Cash Advances 14.90%
APR for Balance Transfers 14.90%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire bill by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees  
Set-up and Maintenance Fees
> Annual Fee
$25.00 Annually
Transaction Fees
> Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
> Late Payment Fee
> Returned Payment Fee
$30.00
$35.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 
OTHER DISCLOSURES  
Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
Card Recovery Fee
Pay by Phone Fee		 $20.00
$35.00
$150.00
None
None
$65.00
$5.00 (making payment with live person on due date)

Periodic Rates.
The Purchase APR is 14.90% which is a monthly periodic rate of 1.2417%.
The Cash Advance APR is 14.90% which is a monthly periodic rate of 1.2417%.
The Balance Transfer APR is 14.90% which is a monthly periodic rate of 1.2417%.
   

FRSA Credit Union serves all those who work in the roofing, sheet metal and air conditioning industries along
with everyone who lives, works, attends school, and worships in the Winter Park, Florida 32792 zip code.

PO Box 5799, Winter Park, FL 32793
Phone  (407) 657-7212 |  Fax (407) 671-7014
Toll-free (within FL) (877) 657-7212


         

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All Rights Reserved. Unauthorized Access is Prohibited. All Access are Monitored.
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