VISA CREDIT CARD RATES
APPLY FOR A LOAN (CREDIT CARD)
SET UP CARD ALERTS WITH CARD CONTROL
REPORT A LOST/STOLEN CARD
Visa Credit Cards
Choose the Visa credit card that’s right for you – whether you’re just starting out and want to build credit or you prefer a card with a generous credit limit and rewards.
Features of all Visa Credit Cards:
- Competitive rates
- 25-day grace period on card purchases
- No annual fee
- No foreign transaction fee
- Online balance transfers
- Set up card alerts with Card Control
- Digital wallet compatible - use card with Apple Pay, Google Pay and Samsung Pay
- Card Benefits (such as travel, auto rental, and identity theft coverage)
Visa Platinum
The Visa Platinum Card is ideal for members who want a higher credit limit (up to $35,000) and the perks of a rewards card.
Visa Classic and Visa Golden Owl
The Classic Card is perfect for members seeking a low-cost credit card with no annual fee and credit limits to $15,000. Members of our Golden Owl Club (age 62 and above) can apply for the Golden Owl Visa Card.
Visa Starter/Student
Our Starter/Student Card has a credit limit up to $2,500 and is for members who are students or who have little or no credit history in their own name.
Transfer Balances Online
It’s easy to transfer balances from other bank cards to your EECU Visa credit card. Simply login to Online Access Home Banking, select your credit card from the Accounts screen, and then select Balance Transfer from the Account Services menu. View our easy, step-by-step balance transfer guide.
Visa Account Disclosure
| Interest Rates and Interest Charges | ||||
|---|---|---|---|---|
| Platinum Rewards | Golden Owl* | Classic | Starter / Student | |
| Annual Percentage Rate (APR) for Purchases | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR for Balance Transfers | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR for Cash Advances | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| Penalty APR and When it Applies | None | |||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. | |||
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. | |||
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website at http://www.consumerfinance.gov/learnmore. | |||
| Fees | ||||
|---|---|---|---|---|
| Annual Fee | None | |||
Transaction Fees
|
Either $5.00 or 2% of the amount of each transfer, whichever is greater. Either $5.00 or 2% of the amount of each cash advance, whichever is greater. |
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Penalty Fees
|
Up to $15.00 Up to $24.00 None |
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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
See your account agreement for more details.
*For Golden Owl: Must be at least 62 years of age to qualify.
Features and Benefits
Transfer Balances Online
It’s easy to transfer balances from other bank credit cards to your EECU Visa credit card. Simply login to Online Access Home Banking, select your credit card from the Accounts screen, and then select Balance Transfer from the Account Services menu. View our easy, step-by-step balance transfer guide.
Card Control
With Card Control, you can turn your credit card “off” if you misplace it, set up transaction alerts, and manage your spending. Card Control is available in online/mobile banking.
Standard text messaging and data rates may apply.
Visa Credit Card PIN
If you’d like to use your EECU Visa Credit Card for cash advances at ATMs, you can create or change your PIN using our PIN Now service. Just call 1-888-891-2435 from the number on file for your Visa account. You’ll need to provide the following information:
- Your card number
- Last four digits of SSN
- The three-digit CVV code on the back of the card
- The four-digit PIN of your choice
To change your credit card PIN you must use the PIN Now service; it is not available at our branch locations or through our Member Service Center. You may request a PIN by calling us or visiting a branch and one will be sent to you via postal mail.
Visa Credit Card Discounts
Find great deals on brands you love when you pay with your Visa card, and you’ll be able to stock up on all the things you need – along with the ones you want!
Visa Credit Card Lost/Stolen Numbers
Within the U.S.
1-800-538-3328
1-800-234-5354-After hours
Outside of the U.S.
00-1-515-457-2080
Call collect +1-303-967-1096
Cardholders traveling in other countries can also report their credit cards lost/stolen by using the following toll-free numbers
EECU Visa Credit Card Payment Options
- Use the Transfer function in EECU’s Online Banking to schedule one-time or repeat payments from an EECU account. Visa payments are posted on the transfer date but may not show in your online Visa transaction history for three to five business days.
- If you are making a Visa payment using funds from a non-EECU account, consider setting up the payment through the other financial institution’s Online Bill Payment.
- Call our Member Service Center to transfer funds from an EECU account to your Visa or to make a check-by-phone payment using funds from a non-EECU account.
- Visit any EECU branch to make the payment in person. If the payment is made using funds from a non-EECU account, we require a physical check from the non-EECU account to deposit and apply to your EECU Visa.
- Mail the payment to the address on your Visa statement.
