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»Platinum Visa 1% Dividend Notice

»Visa Automatic Payment Renewal

» Credit Card Terms & Conditions

: Credit Cards:

We have revolving credit cards with great benefits, no cash advance fees and a 28 day grace period for purchases.
- Visa Platinum with a competitive variable rate as low as 8.99%
- Visa Classic with a competitive fixed rate as low as 12.49%
- Visa Share Secured with a competitive fixed rate as low as 12.49%

Download an application here* to apply for a Spirit of Alaska Visa Platinum, Visa Classic, or Visa Share Secured credit card. You may also apply by phone or in person at any of our branches.

*The application will open as a .PDF. You must have Adobe Reader to see the application form. Download Adobe Reader if you do not have it installed on your computer. Please sign the completed application prior to returning it to SoAFCU.

» Click here to for information on our new unembossed debit and credit cards. You can also upload a personal picture for your debit or credit card!

Questions about the CARD Act (Credit Card Accountability Responsibility Disclosure Act of 2009) and how it will affect your SOAFCU Credit Card? Good news! Credit Union Credit Cards largely conform to the new rules already. Click Here for a PDF brochure with more information!

For complete complete terms and conditions disclosure, click here (PDF)

New Visa Card Platform

As you know from our previous communications, we have moved all our members to a new Visa Credit Card platform. We have now reissued all of our Platinum, Classic and Share Secured Visa credit cards. To activate your Visa Debit OR Credit Card, please call 1-866-875-6807.

Important Notice!

We have now successfully added credit card payment ability on E-Teller. You can simply log onto E-Teller and process a payment from your account to your credit card! Here are some of the enhanced features of E-Teller and your new Spirit of Alaska Visa Credit card:

• Online viewing of your new credit card transactions through E-teller.
• Electronic credit card statements
• Credit Card Payments via E-teller

If you are not yet signed up for E-teller, don’t delay, sign up today!
Please call us at (907) 459-5900 for balance inquiries, payment information, or general questions during this transition.

Notice to members - Automatic Payment Renewal

You can now set up automatic payments from your Spirit of Alaska FCU online e-teller account to pay your Spirit of Alaska FCU credit cards. If you have not signed up for an e-teller account, we welcome you to do so by clicking here. If you choose not to use an e-teller account, you can also fill out our Account Maintenance Request Form, under the "Automatic Transfer" section. Please make sure to sign the form, then return it by fax (459-5986), mail, or to our Gillam branch. If neither of these methods are convenient, you can call us at 907-459-5970 or come an visit us at our Gillam offices. When we converted to the new credit card system we were unable to automatically continue this service with the new cards.

The latest date in the month you can set for automatic payment is the 20th. Effective February 20, 2010, if your auto pay date is after the 20th of the month, it will be changed to the 20th. If your autopay date is before the 20th, no changes will be in effect.

Thank you for your patience.

Additional Payment Methods

Payments may be made at any branch location, through an automatic payment from your SoAFCU share savings or share draft account. Payment is credited within 24 business hours if paid at a branch.

If you are going on vacation, or an extended trip, please call the Consumer Loans Department so we can make a note on your account. Spirit of Alaska uses Falcon Fraud Detection Service to help eliminate credit card fraud. A Falcon representative will attempt to contact the member prior to authorizing unusual transactions. To avoid inconvenience when traveling, it is best to notify the credit union prior to leaving on the trip. You may call (907) 459-5970.

To report a lost or stolen Visa credit card please call 1-866-875-6807 24-hours a day 7 days a week

No matter where you look, fraud involving credit and debit cards is making news and it is more important than ever to protect your plastic cards and your identity. Spirit of Alaska FCU wants you to know that although this can be a serious problem, there are ways to protect yourself. Here are some tips to remember:

• Report lost or stolen cards immediately. Sign your card as soon as you receive it.
• Avoid carrying all your plastic cards, Social Security number, birth certificate or passport. Carry only those cards you will be using and other necessary identification.
• Reduce the number of active cards you have. Close all unused cards and cut unwanted cards into several pieces before disposing of them.
• Memorize your PIN (personal identification number) Do not write your password or PIN on your card or carry it or your social security number in your wallet or purse.
• Keep records of all card account numbers, expiration dates, etc. in a secure location.
• Never give your account number or CVV number (the last three digits on the back of your card) over the phone unless you initiate the call.
• Treat your cards as you would cash. Do not leave them unattended. Do not allow your card out of sight during a sales transaction.
• Do not have your Social Security number or driver's license number printed on your checks or give your card, card number, social security number or PIN to anyone.
• Transactions over the Internet should be handled carefully. Make sure you are shopping in a "secure" environment on a website.
• Most of all be careful and use common sense when using your plastic cards! Contact us at (907) 459-5970 if you have any questions or suspect you are a victim of credit card fraud or identity theft.

Notice on 1% Dividends for Platinum Visas

Terms and Condition Notice for SOAFCU Visa Platinum cards:

As of March 31, 2010 Spirit of Alaska FCU will no longer pay our Visa Platinum 1% on your purchase transactions. Annually SOAFCU paid 1% on your prior year’s total purchases. Due to additional enhancements as well as system changes and limitations, SOAFCU is sorry we can no longer provide this benefit. Other enhancements have now been added, click here to see details. Any questions please call 459-5970.

Verified by VISA is designed to protect online shoppers, as well as reduce identity theft for all cardholders by allowing cardholders to add a personal password to their existing card. When making a purchase with a participating online merchant, the cardholder will validate their identity by entering a password in a special Verified by VISA window. Look for the symbol that identifies participating online merchants. In stores that are not yet participating in Verified by VISA your VISA card will continue to work as usual. Go to www.visa.com/verified for a list of participating merchants and to activate your VISA card. You will be guided through steps to create your personal password. To further help protect members from online fraud, Spirit of Alaska FCU requires card holders to participate if the merchant is a participant in Verified by VISA.