Credit Card FAQs

There are currently no fees to order a new credit card.  If you believe that your card may have been lost or stolen, please contact us immediately at 866-820-5794.  Assistance is available 24 hours a day, 7 days a week.

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Yes, you may see your credit card history online.  Log in to your account on AgFed online and click on ‘Additional Services’.

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In order to access your Visa Statement online, log into AgFed Online.  Once logged into your account, click on ‘Additional Services’ and then click on ‘View Your Credit Card Transactions Online’.  The transaction history for your Visa account is available there.

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To report a lost or stolen Visa card, call 866-820-5794.

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Please provide the following information to the bank making the transfer:

• Our Credit Union name: Agriculture Federal Credit Union
• Our ABA routing number: 254074057
• Your member number
• Wire funds to your savings or checking account, for further credit to your credit card number.

The wire transfer must be received prior to 3:00pm EST to post to your credit card account the same day.  Payments will be posted at midnight of each business day.  Payments received after 3:00pm EST or on a weekend/holiday will be applied to your account on the next business day. 

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The best course of action is to immediately call 866-820-5794 to report your card lost or stolen.

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If you have not received your reissued card and your current card has expired, you should contact the Credit Union at 202-479-2270 or 800-368-3552 to verify that a new card was mailed out and what address was used.

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As long as the card still works there is no reason to replace it.  If the magnetic strip on the back of the card should wear out, then we would replace the card at no charge.

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The address to send overnight payments is:

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You may apply over the telephone at 888-451-5626, online under the ‘Loans’ tab or at any branch location.

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You may complete an application for an increase online, by visiting our website and clicking on the ‘Loans’ tab.  Once it is approved, the increase is normally applied to your account on the following business day.

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AgFed currently offers Visa Classic, Visa Platinum with Rewards, Visa Platinum without Rewards and Secured Visa cards.  To apply for a Visa Credit Card or get more information, call 888-451-5626, apply online by clicking on the ‘Loans’ tab or visit any AgFed branch. 

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No, there is no grace period on cash advances. 

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Your payment is due by the due date indicated on your bill.  Payments received after 3:00 p.m. EST or on a weekend/holiday will be applied to your account on the next business day.

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It generally takes from seven to fourteen business days.

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For security reasons, card cancellation requests must be made in person at any branch or by fax to 202-479-3877 or mail to Member Services at:

Please ensure that you:

• Cut the card up into several pieces before discarding
• Contact the appropriate companies to cancel any pre-authorized debits on your account
• Destroy all 'Convenience Checks'

All features and benefits of the card such as online access, insurance coverage and rewards will cease.  A monthly statement will continue to be sent until the balance has been paid in full.

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The eligibility requirements for a credit card are the same as for any other loan we offer at AgFed.

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Yes, to activate the card, please call the 800 number printed on the sticker on the face of your new card. It is not possible to activate a card online.

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If you would like to add an additional Cardholder to your account, please submit a signed request to Member Service.  You may fax it to 202-479-3877 or mail it to Agriculture Federal Credit Union, PO Box 2225, Merrifield, VA 22116 or visit any AgFed branch. 

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If your card has been damaged, you may contact Member Services at 202-479-2270 or 800-368-3552 during business hours.  If you believe that your card may have been lost, stolen, or compromised contact Cardholder Service immediately at 866-820-5794.  Assistance is available 24 hours a day, 7 days a week.

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At this time you are unable to make payments at Western Union.  However, you may send a wire transfer from another financial institution to your AgFed account and request that it be transferred to your credit card.

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The finance charge is calculated separately for purchases and cash advances.  For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases.  

To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.)  This gives us the daily balance of purchases.  Then we add all the daily balances of purchases for the billing cycle together and divide by the total number of days in the billing cycle.  This gives us the average daily balance of purchases.

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Yes, you can apply for a credit card online under the ‘Loans’ tab on our home page.  In most cases, you will receive a response by the following business day.  If your application requires additional information, a loan officer will contact you during the next business day.

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You may mail your credit card payment to:

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Your cash advance limit is the amount of your credit line.  While there is no daily limit for a cash advance, an ATM may have a limit per transaction.  If you walk into a financial institution, there may also be a transaction limit set by that institution.

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Your minimum payment will always be 3% of your outstanding balance, with a minimum monthly payment of $15.00, and is located on your monthly statement.

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Yes.  All you need is your card and Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.  If you do not have your PIN, you may request one by calling 202-479-2270 or 800-368-3552 and one will be mailed to you.

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To report an unauthorized charge on your Credit Card, you may call 800-449-7728.

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Yes, you can perform a balance transfer anytime, anywhere through Online Banking. You can find the instructions here.

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Your credit card may be declined for many reasons. Some of which may include using an incorrect expiration date (normally online and telephone transactions where the card is not present), using an invalid security code (3 digit number at the back of your card), your card may not be activated, the amount you may be trying to charge might be more than your available limit or your account may be temporarily restricted for abnormal activity pending validation that you initiated certain transactions.  It may also be blocked due to overdue payments with any loan at AgFed.  If your card is declined and you want to know why, you can contact our Member Service Department at 202-479-2270 or 800-368-3552.

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This is dependent on which country you will be calling from.

For all other countries, you may dial 202-479-2270 during regular business hours and you will be transferred to Cardholder Services.

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You may request an additional card only if you are designating an authorized user.  For security purposes you may not have more than one card with the same name.  In the event that you are designating an authorized user, we require a written request.

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You may close your Visa account by submitting a written request to Agriculture Federal Credit Union at any of our branches or by mail at PO Box 2225, Merrifield, VA 22116.

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Credit card payments may be made by transferring funds from your AgFed deposit account to your Credit Card account through Online Banking or by logging into your account, clicking on ‘Additional Services’ and then click ‘Online Services’ to make your payment from another financial institution.  Payments may also be made at any of our branches or by telephone at 202-479-2270 or 800-368-3552. 

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You may view your last 13 statements online.  Any transactions posted to your credit card account since the last statement will also be available.

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To apply for a Visa credit card, call our 24-hour loan line at 888-451-5626 or visit the ‘Loans’ tab on the home page and select ‘Visa Credit Cards’. You may also apply at any of our branch locations.

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Please click here for our current credit card rates.

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The maximum limit on your credit card depends on the amount for which you have been approved.  The maximum limit we offer is a $30,000.00 Platinum Visa credit line.

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Although you use a Debit Card much like you use a Credit Card, the method of payment is different. When using a Debit Card, you are using the money from your account.  The amount of your purchase must be available in your account at the time the purchase is made.  When using a Credit Card, you are borrowing money against your available credit line.  You pay that money back when you make your monthly payment.

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You may request a Personal Identification Number (PIN) by calling Member Service at 202-479-2270 or 800-368-3552. For security reasons, the PIN will be mailed to you. 

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For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances.  

To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances and subtract any payments and/or credits that we apply to the cash advance balance.  This gives us the daily balance of cash advances.  Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle.  This gives us the average daily balance of cash advances.  

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Yes, you can pay your Credit Card bill online free of charge up to 30 days in advance.  From the ‘Account Center Plus’ screen, after you’ve signed into your membership online, click on ‘AFCU Credit Card’ at the bottom under ‘Loans’.  This will show you the recent activity on your card.  At the top of the screen, click on ‘Online Services’ and then on ‘Make a Payment’.  In the drop down box on the upper left side of the screen, select ‘Make a Onetime Payment’.  Online payments submitted Monday-Friday prior to 4:00 pm EST will be applied to your account the same day.  Payments submitted after 4:00 pm or on a weekend/holiday will be applied on the next business day.

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You should contact Cardholder Services immediately at 866-820-5794.  They are available 24 hours a day, 7 days a week.  You will be asked some information regarding the transactions and documents will be sent to you via the mail.  The documents MUST be signed and returned to the address provided.

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Because cash advances accrue finance charges from the date of the advance to the date the advance amount is paid in full, after paying off your full balance, your following statement may include a small balance to cover any additional finance charges which may have accrued between the date of your previous statement and the date the amount was paid off.  To find out the amount, before receiving your next statement, please contact us at 202-479-2270 or 800-368-3552.

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You should have your answer within 24 hours.  Your card should be received within 2 weeks after approval.

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If you have any questions about a particular purchase or wish to dispute an item on your statement, please call Cardholder Services at 866-820-5794 within 30 days after the date of the statement on which the transaction first appeared.

If you believe that your card may have been used fraudulently, contact Cardholder Services immediately at 866-820-5794.  Assistance is available 24 hours a day, 7 days a week. 

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You may submit a written request to us to have that user removed, after which you will be directed to Cardholder services to have a new card number issued.

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Yes, you may set up an automatic payment from your account to your Credit Card by completing a Credit Card Request form with AgFed or you may manually transfer the payment online.  In order to do this online, log in to your account and click on Account Transfer.  Transfer the funds from your AgFed account to your Visa Card.

If you wish to pay from an account at another institution, from the ‘Account Center Plus’ screen, after you’ve signed into your membership online, click on ‘AgFed Credit Card’ at the bottom under ‘Loans’.  This will show you the recent activity on your card.  At the top of the screen, click on ‘Online Services’ and then on ‘Make a Payment’.  In the drop down box on the upper left side of the screen, select ‘Make a Onetime Payment’.

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We can add your child to your Visa Credit Card as an authorized user if he/she is a joint owner on your membership. He/She would receive a card with their name on it.  We would need signatures from both of you to do this.

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To create your PIN for your AgFed Credit Card:

• Dial (888) 886-0083
• Enter your card number
• Answer the authentication questions
• Choose your PIN and confirm
• Success! Your new PIN is now effective!

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To access your VISA® credit card statements and transactions, please follow the instructions below using a laptop or desktop computer:

1. Log in to Online Banking.

2. Click on "Accounts" and select "Accounts Summary" from the drop down menu.

3. Scroll down to the middle of the page until you see, "Credit Cards and Lines of Credit" and click on the link that says, "Manage Accounts."

If this is your first time viewing your credit card information since our Online Banking conversion (June 2017), you will be asked to register your card. All this entails is entering the email address that we have on file twice.  Upon clicking the submit button, you will be taken to the old (and familiar) credit card screen where you can make payments, review activity and more!

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