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Save Big with 12-Month 0% Introductory APR!*
Take advantage of our limited-time offer and transfer your credit card balances to CBC Federal Credit Union to enjoy a 12-month 0% introductory APR. Fill out the form to get started.
Offer valid between 01/24/2024 and 03/23/2024.
No annual fee
Exclusive cash back offers throughout the year
Top notch security
A Call Center That Cares
We understand that things happen, that's why we're here to help answer any questions you may have. Speak to one of our helpful team members over the phone by calling (805) 278-5813.
Card Controls at Your Fingertips
With intuitive features such as real-time transaction alerts, customizable spending limits, and instant card blocking, Card Controls ensures users can manage and secure their financial transactions with ease and precision. You can find this feature in the CBC mobile banking app!
Personal ID Theft Protection
The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000, as a result of a Covered Stolen Identity Event.
Tap to Pay
It's fast and easy to shop with our tap-to-pay feature. We have the choice to pay with your physical card or connect your card to your mobile phone.
VISA Credit Card Application and Solicitation Disclosure
1APR = Annual Percentage Yield
| Annual Percentage Rate (APR) for Purchases | Visa Platinum 14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Visa Platinum 14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Platinum 14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. EPIC Rewards Platinum Visa 17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | Visa Platinum 18.00% EPIC Rewards Platinum Visa 18.00% This APR may be applied to your account if you: – Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees
| Annual Fee – Annual Fee |
NONE |
| Transaction Fees – Balance Transfer Fee – Cash Advance Fee – Foreign Transaction Fee |
|
| Penalty Fees – Late Payment Fee – Returned Payment Fee |
Up to $25.00 Up to $25.00 |
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How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”
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Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
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Effective Date:
The information about the costs of the card described in this application is accurate as of: 10/24/2023
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
What Our Members Are Saying
CBC Federal Credit Union in Camarillo is fantastic. They give the best personalize service. They know me by name. The staff and the manager Aaron give great customer service. You feel like the most important client no matter how much money you have with their bank. I feel like they truly care about their clients. There normally no lines and I get in and out in minutes.
David A.
Best bank I've gone to! Very helpful and employees are extremely friendly willing to help resolve your problems. I've never had a bad experience here. You never enter CBC without being greeted by someone. Management must be doing an amazing job!
Celene R.
I am so happy that I chose CBC FCU to refinance my home loans. Junior and Kathleen in the origination were joys to work with, and I received personalized service from the beginning to end, and the process was easy.
Robert W.
Definitely a bank that goes above & beyond to take care of their members. The staff is always so friendly & attentive. Let's not forget to mention the Dunkin' Donuts they have located in their branch. I mean c'mon who doesn't love the smell of coffee & money?!
Lisa G.
Both DeeAnna and Annette went beyond my expectations today in resolving an issue. They actually did more than I had asked for. As a previous investment advisor of my own firm for 40 years I always suggested clients avoid national banks and use either Credit Unions or community banks. I suggest you take this advice and use CBC for all your "banking" needs.
Leon R.
The entire team at the Camarillo branch have been amazing. They make you feel so welcome and a real person, not just a number. Maria guided me step by step with my newest business venture and made me feel special throughout the process. I truly appreciate the extra effort that she and the other members have put in to help me with everything I've needed. I've been banking there now for 7 years, and I am so grateful for their amazing customer service and support.
Jennifer W.
The is the best banking experience I've ever had, and continue to have. Aaron, Laura and the other staff take extremely good personal care of their clients. I have accounts at other banking establishments but prefer the personal touch from CBC Federal Credit Union!
Steve W.
The team at CBC Oxnard are top-notch professionals. Sarai & Patty provide professional and personable service explaining clearly all the details in the re-fi loan & credit process. Highly recommend them for all your financial needs.
Jay F.
I just wanted to give a shout out to Junior and his team. We just refinanced our home through CBC and Junior went above and beyond to help us with a loan and paperwork. We had tried refinancing with another company and it was a headache.
Belle B.
My visit here was AMAZING! As soon as I entered this location in Camarillo, staff was quick to ask what my needs were. I was promted to the branch manager Aaron, where he answered all my question in such a professional and knowledgeable manner. I was really impressed how quick he was in anything I asked for. You can really tell he and his staff love what they do. Its shows with their work ethic! Will be making this location my permanent one! BTW, a huge plus is that there is Dunkin Donuts next to their branch! Coffee and donuts forever!
Adrian N.
This is one of the best credit unions I have been to. I have 4 different banks just to have a variety and this is the best. Easy drive-thru atm and everyone I have dealt with a teller they have been very polite and even made small talk.
Marcos L.
Fortunate to work with Sarai Warren and team! My first conversation with Sarai for a home refinance, with a credit card debt and cash out was on 12/2! I explained to Sarai that I was in a tough financial bind and I needed to have things move quickly.
David G.
Terms and Conditions:
*APR= Annual Percentage Rate. All CBCFCU accounts must be in good standing to receive this promotional rate. You must conduct the balance transfer by using the convenience checks issued, applying online, or stopping by your nearest CBCFCU branch. To qualify for this limited time 0.00% APR Promotional Balance Transfer for 12 months, the balance transfer must post to your account between 01/24/2024 and 03/23/2024. After that, the standard variable rate, currently 14.50%-18.00% APR, will apply based on your creditworthiness. A 3% transaction fee is applied to the full amount of the balance transfer. The promotional balance transfer rate does not apply to Cash Advances or to pay any CBCFCU loan or credit card.
Loss of Introductory APR: We may end your Balance Transfer APR and apply the Penalty APR if we do not receive your regular monthly payment within 60 days of the due date. Terms, conditions, and restrictions apply to the use of this card. Please visit us at https://start.cbcfcu.org/balance-transfer-2024 for the full terms of the offer. All credit cards are subject to credit approval.
CBCFCU reserves the right, at its sole discretion, to disqualify any card member from receiving this offer for abuse, fraud, or any violations of the Consumer Credit Card Agreement and Disclosure.
Must meet membership and account criteria. All credit cards are subject to credit approval. Programs, rate, terms, and conditions subject to change without notice. Call us at 805.278.5813 for current rates, terms, and conditions. Visa® is a registered trademark of VISA U.S.A. Inc.
