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Visa Gift Cards

Effective October 3, 2016, our Visa Gift Cards will no longer be able to be used outside of the United States. Our gift card provider will no longer allow INTERNATIONAL PURCHASES with Visa Gift Cards.
A Gift Card gives both the recipient and the gift card giver complete flexibility and convenience. The gift giver can choose a denomination, purchase the Gift Card and choose to have the Gift Card sent directly to the recipient, or sent to the gift giver. The recipient is able to use the Gift Card to purchase exactly what they want! No more gifts that are the wrong size, wrong color, or just plain wrong!

Get yours today by clicking on the Gift Card:

  • Recipient can use the card anywhere Visa Debit is accepted including stores, restaurants and entertainment venues, or by using the credit option at a merchant.
  • Gift Cards can be used in stores, online or over the phone.
  • Gift Cards may NOT be used out of the country.
  • Gift giver can give a gift that is exactly what the recipient wants.
  • Recipient can choose where they want to use the card.
  • Gift giver doesn't have to go from store to store looking fo just the right gift.
  • A Gift Card eliminates the worries of losing a paper gift certificate, check or cash.
  • You must know your balance at all times. You may call 1-800-244-5360 or go to www.harlandclarkegiftcard.com to review your transaction history and balance.
You have two options to purchase a Visa Gift Card:

1. Click on the graphic of the Gift Card above and order the card online. Cards can be ordered via the Internet in amounts from $25 to $500 at a cost of $5.95 each. Visa Gift Cards ordered via the Internet can have the name of the recipient embossed on the card.

2. Visit our Card Services Department at the Credit Union to order your Visa Gift Card. Cards prepared at the Credit Union can be ordered in amounts from $25 to $750. Gift Cards ordered at the Credit Union cannot be embossed with the name of the recipient.

Cost for Gift Cards:
Members with total loan and share balances $25,000+:  $3.95 per card
Members with total loan and share balances $100-$24,999.99: $4.95 per card
Members with total loan and share balances less than $100: $5.95

The Visa Gift Cards are not reloadable. They have a 7 year expiration date and after 12 consecutive months of inactivity, a fee of $5.00 will be charged to the card.

Gift Card Tips

The Federal Trade Commission, the nation's consumer protection agency, has tips and information for consumers who use gift cards. New federal rules are designed to protect consumers, and will restrict fees and affect gift card expiration dates. These new rules apply to two types of cards: Retail gift cards, which can only be redeemed at the retailers and restaurants that sell them; and bank gift cards, which carry the logo of a payment card network like American Express or Visa and can be used wherever the brand is accepted. Here are the highlights:

  • Money on a gift card cannot expire for at least five years from the date the card was purchased, or from the last date any additional money was loaded onto the card. If the expiration date listed on the card is earlier than these dates, the money can be transferred to a replacement card at no cost.
  • Inactivity fees can be charged only after a card hasn't been used for at least one year, and then only once per month. But fees may be charged to buy the card or to replace a lost or stolen card.
  • The card must clearly disclose its expiration date, and the card or packaging must clearly disclose any fees.
Tips for buying gift cards:

  • Buy from known and trusted sources. Avoid online auction sites, because the cards sold there may be counterfeit or may have been obtained fraudulently.
  • Read the fine print before buying. Is there a fee to buy the card? Are there shipping and handling fees for cards bought by phone or online? Will any fees be deducted from the card after it is purchased?
  • Inspect the card before buying it. Verify that no protective stickers have been removed, and that the codes on the back of the card haven't been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.
  • Give the recipient the original receipt in case the card is later lost or stolen.
  • Before you buy retail gift cards, consider the financial condition of the retailer or restaurant:
        A card from a company that files bankruptcy or goes out of business may 
        be worth less than anticipated.
        If the business closes a store near the recipient, it may be hard to find
        another location where the card can be used.
        A company that files for bankruptcy may honor its gift cards, or a
        competitor may accept the card. Call the company or its competitor to 
        find out if they are redeeming the cards, or if they will do so at a later date.
  • If the gift cards are displayed in an accessible location (on a rack in the store for anyone to access), take a card from the back or ask the clerk if they have any cards behind the register. Theives often write down card numbers of accessible unpurchased gift cards and create counterfeit cards.

Tips for using gift cards:

  • Note any terms and conditions, and check for an expiration date or fees.
  • Ask anyone who gives you a card for its terms and conditions, the original purchase receipt, or the card's ID number. Keep this information in a safe place.
  • Use gift cards as soon as possible, because it's not unusual to lose or forget about them.
  • Treat a card like cash, and if it is lost or stolen, report this immediately to the issuer. Some issuers will not replace cards that are lost or stolen, while other issuers will, for a fee.

VISA Gift Card Terms and Conditions 2016

Central Maine Federal Credit Union

1000 Lisbon Street
Lewiston, ME 04240
Fax: 1-207-777-1914

836 Center Street
Auburn, ME 04210
Fax: 1-207-440-2100

Mailing Address:
P.O. Box 1746
Lewiston, ME 04241-1746

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