As a valued Chiphone Federal Credit Union cardholder, we’re giving you more reasons to celebrate this holiday season with an exclusive offer.  Use your Chiphone Visa credit card anytime between November 1 and December 31, 2019 and pay a fixed interest rate of 2.99% APR on those retail purchases for 12 months.  Previous balances will not be effected by this promotion.  All Chiphone Visa credit card holders are eligible for this promotion. Does not apply to Balance Transfers.  Courtesy expiration message will be added to card holders statement for the months of November and December 2020.