SDFCU is not pin priority; it has pin capability much like Arrival+ but I assure you, no matter what people say, the pin is becoming more and more not necessary. In my recent three week stint in Europe, while I used UNFCU (which is also pin priority but 1% ftf) totally voluntarily for personal reasons, not once did I have any difficulty whatsoever using a chip and signature card and you will probably find your primary cards will universally work.