VISA Classic   Variable	VISA Gold   Variable
Currently rates as low as 10.95% a.p.r. No Annual Fee 25 day grace period on all purchases No Minimum Finance Chg No Foreign Currency Conversion Fees CU REWARDS PROGRAM	Currently 9.30% a.p.r. No Annual Fee 25 day grace period on all purchases No Minimum Finance Chg No Foreign Currency Conversion Fees CU REWARDS PROGRAM

REWARDS CASH REBATE CHART Points Redemption Percentage 1 - 1999 .25% 2000 - 3999 .50% 4000 + .75% Example: Cardholder charges $4,575.00 on Visa and asks for Cash Rebate $4,575.00 = 4,575 points x .75% would be a Cash Rebate of $34.31 All Cash Rebates are administered by the Credit Union. The cardholder cannot redeem points for Cash Rebates through the CURewards website, please contact the Visa Director at our Main Branch at 716 854-2458.

Verified by VISA is the Credit Union's newest service for our membership to have added security while shopping online! Please note that if you wish to use your Buffalo Community FCU VISA Debit Card when shopping online, you MUST register your card with Verified by VISA to complete your transactions.

Disclaimer: Please be aware that when linking to any one of these sites, you are leaving the Credit Union Website.  The Credit Union's Privacy Policies do not apply to linked websites.  You should consult the privacy disclosures on that site for further information.  The Credit Union does not represent either you or the third party if the two of you enter into a transaction.  The Buffalo Community Federal Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third party site.

Contact our Main Branch Visa Department at 716 854-2458, our Orchard Park Branch at 716 675-5900 or our Harlem Road Branch at 716 835-6355 for more information.   Your Credit Union is committed to protecting the privacy of its members.  Regular non-encrypted Internet email is not secure.  Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc.  Our staff will never reply back to these email messages with confidential member information. Email messages initiated through our Home Banking service, Virtual Branch, are fully secure through SSL.