Get your rewards credit card through your Telcoe and earn rewards when you buy with no annual fee! Earn one point per $1 Spent!4


The Details
  • Rates as low as 10.99% APR1
  • Balance Transfers 1.99% APR* for 15 months5
  • No annual fee
  • Redeem points through
    • Points can be redeemed for cash, merchandise, and travel
    • Get 100 bonus points for first purchase
  • $50,000 in travel accident insurance
  • $1,500 in trip cancelation insurance
  • Member alerts – receive text messages when purchases are made on your card
  • Design your own card3
  • Online account access through your Telcoe online banking
  • Electronic statements2
  • Mastercard® SecureCode – added protection to keep transactions private

Read our Mastercard® Guide to Benefits (PDF).

Review our Telcoe Federal Mastercard® Disclosure (PDF).

Easy Balance Tranfer Form (PDF).

Design Your Own Card

Telcoe FCU now offers you the ability to design your own card.

Design Your Own Card (DYOC) allows you to customize your credit card by uploading a personal custom image or choosing one from our catalogue of distinct images for display on the front of your personal credit card.

Any member of the credit union that has a credit card can submit a request using Design Your Own Card.


A $10.00 fee applies to each Design Your Own Card request:

Image Guidelines

Images must be in jpg, gif, png, tiff, or bmp formats and cannot exceed 4 megabytes.

For all images you must own the image or have permission from the owner to use the image on your card. 

An image may be rejected if it contains the following:

  • Copyrighted or trademarked material
  • Socially unacceptable or discriminatory behavior or signs
  • Profanity or other obscene behavior or gestures
  • Controversial subject matter such as religious or political statements or images
  • Phone numbers, URLs or addresses
  • Athletes, entertainers, celebrities, musicians or cartoon characters
  • Violent acts or death imagery
  • Advertising or promotional materials, or branded products
  • Images we deem provocative, sexual, violent or otherwise offensive
  • Nudity or semi-nudity
  • Images which show illegal or anti-social behavior
  • Imagery of alcohol, tobacco or firearms

We have the sole discretion to determine whether to accept an image based on these specific reasons, or reject an image because we consider the image otherwise inappropriate. If your image does not meet these Image Guidelines, we will send you an email and request you try again using a different image.

1Rates shown are Annual Percentage Rates (APR). Rates are variable and subject to change at any time. Loan terms available may vary depending on amount borrowed the length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.

2Accounts not enrolled in electronic statements will incur a $2.00 fee per month.

3A $10 fee is assessed for each DYOC card requested.

4Earn rewards on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned, for cash equivalent transactions, such as a cash advance and balance transfer transactions. Earn 1 point for every $1 spent. Points must be redeemed through website. Points expire after 4 years. Maximum point accumulation per year is 150,000. View full rewards terms here.

5Balance transfer rate applies if transfer is completed within 30 days of credit card account opening. Balance
transfer rate good for 15 months. 3% balance transfer fee. See full credit card disclosures for more details.