Credit Cards

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• No annual fee
• Enjoy increased purchasing power; accepted virtually everywhere, worldwide
• Non-variable interest rates as low as 9.90% APR*
• Make Payments to your credit card within your Austin FCU online banking or through our secure payment portal
• Monitor transactions, set alerts and turn your card on and off with the CardNav App
  • CardNav on the Google Play Store
  • CardNav on the App Store
• Easily replaced if lost or stolen
• Have a card already and want to apply for a credit limit increase? Click here.

*APR is Annual Percentage Rate. Fixed APR will range from 9.90% to 15.90% APR based on credit score.

CardNav Card App

Have full control over your Austin FCU Card usage in a way you’ve never had before:

• Manage how, when and where your cards are used—on your own terms. CardNav enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used.
• Turn any card on, or off—in seconds. It’s as simple as a toggle. Perfect for safety, security… and those scary moments when you’re not quite sure where your card might be.
• Ensure you are the only person using your cards. GPS capabilities can either limit where your card is used—or assure it’s only able to be used when with you.
• Turn your cards into active budget participants. Set dollar limits for transactions, and receive alerts when those limits are being reached. No more worrying about going over budget!
• Stop fraudulent activity before it even happens with the alert feature of CardNav. Based on your preferences, CardNav can send you a real-time alert when your card is used outside of your chosen preferences, giving you the power to deny the transaction or turn your card off. Alert preferences can be set by:
  • Location – based on where the transaction occurs
  • Transaction type – based on type of transaction at point of sale
  • Merchant type – based on the type of merchant where the transaction occurred
  • Threshold – based on the threshold amount set by the user (i.e. – transactions over $500 receive an alert) Want to learn more, or begin using CardNav now? Contact your credit union to find out if they participate. If they do, download the app and begin using CardNav immediately.

iPhone Android

We utilize a service called FALCON to monitor member transactions for fraud. Each time you swipe your card, your transaction is assigned a fraud score based on amount, location, type of terminal, and many other factors. If that score is high enough, you will receive a call or text from our Fraud Department asking you to verify the transaction. In special cases, if the fraud score on a transaction is high enough, your card may be shut down immediately.

If your card has been restricted after-hours, please contact the Fraud Department directly to resolve the case at 888-241-2440. Unfortunately, if your card has fraud on it, we are unable to re-activate the card and will need to order you a new one. Please note FALCON will score transactions high if they are outside your geographical area, see Travel Notice for more info.

In order to receive Text Alerts Austin FCU must have your cell phone number on file. Log into No-line Banking in order to update your contact information.

If a transaction has cleared your account that you did not authorize, or you have attempted to dispute a transaction with a merchant but have been unsuccessful, please click the link below to initiate a credit card dispute.

If a transaction has cleared your account that you did not authorize, please call (888) 241-2510 immediately to cancel your credit card. Then proceed to the transaction dispute form.

An Austin FCU MSR will contact you via email in one to two business days regarding your responses to the form, and let you know what your next steps should be. Please keep in mind, that a dispute with Austin FCU does not supersede any agreement you may have made with a merchant, and should only be used in situations where no authorization was given, or where you have already communicated with the merchant regarding the dispute.

If you have any questions, please feel free to give us a call at (512) 444 - 6419 or (800) 950-8143.

Click here to proceed to the Transaction Dispute form.