Personal Loans
Personal Loans are Made Solely on Your Good Name
Your borrowing power is based on your personal financial history, credit standing, employment stability, and current income and expenses.
So, if new furniture for your house, travel, a computer, or other major purchases are in your plans, we have a loan to make them happen. Personal loans are available for many worthwhile purposes at rates and terms to make your payments affordable.
You don’t have to pay 18% to 25% on charge accounts when you can make your purchase or pay off your bills with a much lower Paradise Valley FCU personal loan, line of credit loan, or visa from 9.90% to 16% APR.
Personal Line of Credit
Sometimes, unexpected financial situations pop up. Perhaps you have some unexpected car repairs, need to consolidate credit card or other debts, or any other number of problems. If that happens, PVFCU offers excellent Personal Lines of Credit to get you the necessary funds you need.
Share Secured
You can borrow against the money you have in your regular (share) savings account or in a share certificate account by pledging those funds towards a share secured loan. Because you are pledging your savings, this type of loan can be made without concerns of credit worthiness. This is usually the fastest and least expensive way to borrow money.
Credit Cards
Get the Rewards You Deserve!
| Credit Card | Information |
|---|---|
| Rate | Rates between 9.90% - 14.52% APR* |
| Annual Fee | $0 intro for the first year, $20.00 annual fee thereafter |
| Limit | Up to $25,000.00 |
| Rewards | Unlimited rewards on every purchase, every day Earn 1 point per dollar on purchased with no point limits Redeem points for millions of reward options |
| Anytime, Anywhere Card Management | Protect & manage your credit card through your mobile device with CardValet
|
| Bonus Features | Zero Liability on Fraudulent Charges: No obligation for unauthorized transactions EMV Secure Chip Card Technology: Global acceptance & enhanced security Auto Rental Collision Damage Waiver: Save money on insurance costs Roadside Dispatch: Access 24-hour roadside assistance 24/7 Global Cardholder Services Emergency Card Replacement |
UChoose Rewards® Frequently Asked Questions
What is UChoose Rewards®?
uChoose Rewards is a rewards program that earns you points for every purchase you make using your PVFCU Classic Visa® Card. You can also earn additional bonus points for shopping at participating retailers with your card. You will be able to redeem your points for any reward of your choice from a vast online catalog at www.uchooserewards.com.
Where can I earn points?
You earn points everywhere your card is accepted.
How do I earn points?
You earn points every time you make a qualifying purchase using your PVFCU Classic Visa Card. You earn one point for every $1 you spend. You also have the opportunity to earn more bonus points by shopping at a list of retailers that participate in the uChoose program.
Please remember: You must register your card with UChoose Rewards before you will start earning points for your purchases. Please go to www.uchooserewards.com to quickly and easily register your card.
How can I earn additional bonus points?
You can earn additional UChoose Reward® bonus points when you shop at a list of national or local participating retailers. Choose to shop in-store or online through www.uchooserewards.com to receive your bonus points. You can view a complete list of participating retailers at www.uchooserewards.com.
How much does it cost?
There is no cost. Membership in UChoose Rewards® is absolutely free for PVFCU cardholders, so start shopping and earning today!
How do I register for uChoose Rewards?
To begin earning points, you must first register your Visa card at uchooserewards.com and follow the easy steps. Once you register one card, you can link other cards to your uChoose Rewards account and pool your points.
What can I redeem my points for?
You can redeem your points for thousands of options, and it all depends on your personal preferences. You can get event tickets, electronics and high tech gadgets, spa treatments, apparel, airline tickets, activity vouchers … and much, much more. Simply visit the Redeem Points page on the uChoose Rewards site and click on the category that suits your interests to browse the online catalog. You can also start a “Wish List” that will help you track when you have earned enough to redeem a specific item.
How can I track my points?
We keep track of all your points for you – just register at uChooseRewards.com and check your points balance anytime right on the home page.
When can I redeem my points?
It can take up to 60 days for your points to be credited to your account. You much accumulate 1,500 points before you can redeem your points. After that, you can redeem any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.
Can points be redeemed at the point of purchase or can they only be redeemed online?
You can only redeem points online through www.uchooserewards.com.
If I am close to having enough points to redeem, can I purchase the balance of the points they need?
No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem an item.
Can I share points with family members?
Yes, all cards within an account automatically earn points together. In addition, if you have multiple accounts with PVFCU, you can link them together to earn rewards faster. Just visit the Preferences page to link more accounts to your program.
Where can I view my point activity?
You can access the history of your point activity on the Point Details page.
What if I shopped at a participating retailer, but my points are not showing up?
It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, please contact the number or e-mail listed on the uchooserewards.com Contact Us page for assistance.
When I redeem for a product, can I ship my redemption to an address other than the one PVFCU has on file for me?
Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.
What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.
If someone manages to get access to my UChoose Rewards username and password, can they redeem my points?
Every effort is made to authenticate uChoose Rewards participants – but fraud can occur. If you feel that you
might have been a victim of fraud, please contact us immediately so we can investigate the issue.
Can I return my redemption item, and if yes, how do I do it?
Some redemption items can be returned and some cannot. To understand the various redemption policies and processes, please review the Terms and Conditions at www.uchooserewards.com.
What if I have other questions?
If you have questions that aren’t answered here, please visit www.uchooserewards.com, and go to the Contact Us page. You will find the right phone number and email to reach a Rewards expert directly.