Visa Credit Cards

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Visa Credit Cards

Credit cards with EMV chip

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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:

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. Click here to view our easy, step-by-step balance transfer guide.

Visa Account Disclosure

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
  • Balance Transfer
  • Cash Advance
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.
Penalty Fees
  • Late Payment
  • Returned Check/Payment
  • Over Credit Limit
Up to $15.00
Up to $24.00
None

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. Click here to 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.
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