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# Credit Cards
## Visa Classic Platinum
### Mohave Community Federal Credit Union Visa Credit Card
##### When you’ve just got to have it, get it with a Mohave Community Federal Credit Union Visa Credit Card. Enjoy exceptional convenience and reliability from the world’s leading payment brand. Whether you’re looking for a credit card with rewards, NO annual fee or a LOW, fixed rate, we have the card you’re looking for! Apply **.**
Credit Card Information
| Interest Rates and Interest Charges | Visa Platinum |
| --- | --- |
| Annual Percentage Rate (APR) for Purchases | 10.90% – 17.90% Fixed |
| APR for Balance Transfers | 10.90% – 17.90% Fixed |
| APR for Cash Advances | 17.90% Fixed |
| Penalty APR and When it Applies | n/a |
| How to Avoid Paying Interest | Your due date is at least 25 days after the close of each billing cycle. WE will not charge you interest on retail purchases, cash advances and balance transfers if you pay your entire balance by the due date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or use a credit card, visit the web site of the Consumer Financial Protection Bureau at  |
VISA Platinum Card Fees
| **Fees** | **Visa Platinum** |
| Annual Fee | None |
| Transaction Fees  * Balance Transfer * Cash Advances * Foreign Transaction | n/aUp to 3.0% of the amount advanced.Up to 1.0% |
| Penalty Fees  * Late Payment * Over-the-Credit-limit * Returned Payment | Up to $38.00n/aUp to $38.00 |
| Other Fees | None |
**How We Will Calculate Your Balance:** We use a method called “average daily balance” (including new purchases). \*An explanation of this method is provided in your account agreement.
**Billing Rights:** Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.
## Visa Rewards
### Visa Score Card Rewards
#####  is a rewards program that offers you compelling reasons to use your Visa. Every time you make a qualifying purchase with your card earns points towards terrific prizes.
##### Qualifying purchases include:
* ##### Signature-based purchases
* ##### Internet purchases
* ##### Phone and mail order purchases
* ##### Automatic bill payments
##### You can choose from a wide range of rewards including gift merchandise, retail gift certificates, travel and dining.
#####
## Visa Purchase Alerts
### Know Where Your Money is Going.
##### Sign up for 
* Get a text or email whenever you pay with your Visa Card.
* Keep your account secure.
* Get alerts for transactions in real-time and immediately identify potentially fraudulent activity.
* Take an active role.
* Track spending and stay on top of account balances.
* Choose your alerts.
* Adjust your alerts to what makes sense for you and receive them via SMS text or email.
## Important Numbers
##### Mohave Community FCU Visa Credit Card**To reach member services for your Visa Credit Card**1-833-541-0763   24/7     1-800-325-3678
##### Lost and Stolen, Review Balance & Activity, Reissue a Card, Report a New Fraud Case, File a Dispute and many other services!**If you already have an open Fraud Alert on your Credit Card**Contact FALCON at 1-855-961-1602  24/7
**Want to review your balance? Make a payment?** Visit: 
Or simply give us a call at 928-753-8000 Mon – Fri 8 am – 4 pm
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Any unauthorized access or use of the website is not permitted and may constitute a crime punishable by law.
© Mohave Community Federal Credit Union
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#### Notice
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# Contact Us
## Contact Us
Mailing Address
2809 Stockton Hill Rd.
Kingman, AZ 86401
Phone Number and Fax
(928) 753-8000
Fax (928) 753-1441
By Email
Follow Us!
Leave us a Review!
CU24 Telephone Banking
For immediate phone access to your accounts at any hour of the day or night.
(928) 753-3079
Outside of Kingman
(888)-383-3079
Online Banking
To access your accounts online, please:
Online Bill Pay
1-844-298-5790
New to MCFCU’s Online Banking?
*Any unauthorized access or use
of the website* *is not permitted
and may constitute a crime
punishable by law.*
Running low on checks?
Give us a call at 928-753-8000 !
Need to place a stop payment on a check?
Call us at 928-753-8000 or email .
You may also request a stop payment online via the .
**Debit Card Activation/PIN Selection**
1-800-992-3808
Lost or Stolen Debit Card
1-800-554-8969
**Mohave Community FCU Visa Credit Card**
**To reach member services for your Visa Credit Card**
1-833-541-0763   Call 24 Hours a Day/ 7 Days a Week
Lost and Stolen
Review Balance & Activity
Reissue a Card
Report a New Fraud Case
File a Dispute and many other services!
**\*\*\*If you already have an open Fraud Alert on your Credit Card**
Contact FALCON at 1-855-961-1602
Moving? New Phone Number?
If you have moved or changed your phone number, you must update your new information.
If you are enrolled with our online banking, you can submit your updated address by logging in .
You can also download the 
Once completed:
Mail To:
Mohave Community Federal Credit Union
2809 Stockton Hill Road
FAX To:
928-753-3422
Email To: 
## Hours of Operation
KINGMAN OFFICE
phone: 928.753.8000
fax: 928.753.1441
email: 
New Lobby Hours Effective January 2nd, 2025
Monday – Friday 9:00 am to 5:00 pm
CLOSED – Saturday & Sunday
New Drive-thru Hours Effective January 2nd, 2025
Monday – Thursday – 9:00 am – 5:00pm
Friday – 9:00 am – 6:00pm
## Holiday Closings 2025
#### Holiday Closings for 2025
| Holiday | Date |
| New Year’s Day Observed | Wednesday,  January 1, 2025 |
| Martin Luther King Jr. Day | Monday, January 20th, 2025 |
| President’s Day | Monday, February 17th, 2025 |
| Good Friday (Close at 1 pm) | Friday, April 18th, 2025 |
| Memorial Day | Monday, May 26th, 2025 |
| Juneteenth | Thursday, June 19th, 2025 |
| Independence Day | Friday, July 4th, 2025 |
| Labor Day | Monday, September 1st, 2025 |
| Columbus Day ( Indigenous Day) | Monday, October 13th, 2025 |
| Veterans Day Observed | Tuesday, November 11th, 2025 |
| Thanksgiving Holiday | Thursday, November 27th, 2025 Friday, November 28th, 2025 |
| Christmas Eve (Close at 1 pm) Christmas Day | Wednesday, December 24th, 2025 Thursday, December 25th, 2025 |
| New Years Eve(Close at 1pm) | Wednesday, December 31, 2025 |
| New Year’s Day Observed | Thursday January 1, 2026 |
## Meet the Staff
##### **Board Of Directors**
> ##### Pete Kaleta – Chairman Tom Carter – Vice Chairman Sharon Lawson- Secretary Carol Roby- Treasurer Susie Parel-Duranceau – Director
##### **Supervisory Committee**
> ##### Sharon Lawson – Chairman Joanna Haspels – Member Gene Sherer – Member Deborah Sherer – Member Marie Ward – Member
##### **Officers**
##### 928-753-8000
> ##### Carol Roby – Chief Executive Officer – Ext: 201 Susan Gilbert- Chief Financial Officer – Ext: 218 Ramona Baptista – Chief Operations Officer – Ext: 213
##### **Staff**
> ##### Denise Taylor – Manager – Ext: 203 Holly Dudley – Sr. Loan Officer – Ext: 202 Anne Riley – Administrative Assistant – Ext 221 Diana Fechner – EFT/Accounting Supervisor – Ext: 209 DeAnna Waterman – EFT Representative- Ext 214 Christina Turner – Member Solutions – Ext 205 Imelda Kennedy – Loan Officer – Ext: 216 Amy Carrera – Loan Representative – Ext 207 Jami Foster – Member Service Representative Blake Curran – Teller Maria Fiddler – Teller
## 66th Annual Meeting
##### **Mohave Community Federal Credit Union** 66th Annual MeetingHeld Wednesday, May 10, 2023 For all of the details of the meeting, click .
## Scholarships
Application will be available February 1, 2025. Deadline to submit application is April 21, 2025 at 5:00pm.
## FAQs
##### **What’s a Credit Union?** A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
##### **Who owns a credit union?** Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn’t operate in that manner. Rather, each credit union member owns one “share” of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
##### **How did credit unions start?** The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary’s Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
##### **What is the purpose of a credit union?** The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
##### **Are savings deposits insured?** Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
##### **Who can join a credit union?** A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional. This is called a “field of membership.” The field of membership may include where they live, where they work, or their membership in a social or economic group.
##### **Is Mohave Community Federal Credit Union a shared branch/co-op branch?** No. Mohave Community Federal Credit Union is not a shared branch. To find a shared/co-op branch in this area, please click ****
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