Your Union

COMING SOON: Credit Card Updates

Your Money ~ Our Commitment to helping keep it safe.

We are pleased and excited to be introducing upgrades to our credit card’s security with a new EMV chip Credit Card ~ but that’s not all! We are also introducing a new rewards program, Waterfront Rewards, to help your spending be more rewarding!

EMV Upgrade

We’ve figured out all the details ~ here’s what you need to know:


  • Same LOW, FIXED rate of 9.90% APR for EVERYONE!*
  • Same fixed rate on purchases, cash advances and balance transfers
  • NO annual fee, NO balance transfer fee, NO over-limit fee


  • Rates as low as 11.90% APR*
  • Same fixed rate on purchases, cash advances and balance transfers
  • NO annual fee, NO balance transfer fee, NO over-limit fee
  • Earn rewards points to use towards travel, experiences, merchandise and so much more!

Waterfront Rewards Program

For every transaction that you make with your Waterfront Rewards credit card, you will earn rewards points that can be redeemed online for the following:

  • Merchandise ~ electronics, housewares, sporting goods, & more
  • Travel ~ airfare, hotels, rental cars, cruises, etc.
  • Experiences ~ theme park, sports, & other entertainment tickets

You will earn 1 point for every $1 spent & your points will last for 3 years.


What You'll Need to Do

NOTHING ~ we'll automatically send you a new EMV Classic Card!

All current cardholders will be automatically reissued a new EMV Classic Card. From there, you can continue to enjoy the same low, fixed rate of 9.90% APR with our updated and improved EMV Classic Card OR after 4/1/20, you can upgrade to our brand new EMV Rewards Card, enjoy the same conveniences of the Classic Card, and start putting each dollar spent to work for you with our Waterfront Rewards Program!

Look for more information coming soon. We will be sending out a letter to current cardholders with additional details about the switch.

NOTE: Your account number will change. If your credit card is used for preset/automatic payments or transactions, you will need to update your card number, expiration date and 3-digit security code (on back of card) where applicable. Your old credit card will automatically become inactive as of 3/1/20.

Need a credit limit increase?

Now is also a great time to consider increasing your credit limit to take advantage of all our cards have to offer. APPLY NOW!

Coming to a wallet near you in February!


*Based on creditworthiness. Some restrictions may apply. Contact the Credit Union for full details.