Visa® Advantage Credit Card
Low rates for everyday purchases
If you carry a balance and prefer to use your credit card for everyday purchases, our low-rate Visa® Advantage Credit Card is the perfect card for you! With a low introductory rate on purchases and balance transfers, you can lower your monthly payments and consolidate debt. Pair that with our Card Controls service, and you can control your spending with ease.
Pay less interest
Enjoy a low introductory rate, as low as 1.99% APR1 on purchase and balance transfers for the first 12 months. Then, enjoy a competitively low rate when that introductory period ends.
Cut the pesky fees
Never worry about paying an annual fee or a balance transfer fee with your Visa Advantage credit card. And, if you're traveling, there are no foreign transaction fees either when making purchases outside of the United States.2
Control your spending
Set up real-time transaction alerts and receive push notifications whenever you make a purchase using your Visa Advantage credit card. You can also lock and unlock your card using Card Controls at any time to prevent fraud if your card is lost or stolen.
Make contactless payments
Add your Visa® Advantage Card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay to make secure payments online and in-stores.
- Select Credit Cards from the menu
- Navigate to Services > Balance Consolidation.
- To verify your identity, you'll be prompted to enter the last four digits of your Social Security Number and your five digit Zip Code.
On the Balance Consolidation screen, you will need the name of the payee or the name of the institution you would like to transfer balances from, their payment address and the account number you're transferring balances from.
Yes, you can! Our Visa® Credit and Debit cards can be used internationally anywhere Visa® is accepted. Just be sure to submit a travel notification prior to your trip.
Place your travel notifications within our Online Banking platform. Be sure to give us a few days notice so we can set up your account appropriately.
Travel notifications submitted Monday through Friday before 4:00pm will be processed that day.
To report a travel notification after 4:00pm weekdays, Saturday, Sunday and Holidays, please call the following numbers directly:
- Debit Cards: (800) 472-3272
- Credit Cards: (866) 820-3031
Travel dates cannot exceed one (1) year. You would need to notify the credit union annually to extend travel dates.
We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.
Debit or Credit Card (DBT/POS) transaction
Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us. Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.
Unauthorized Withdrawal (ACH/non-debit or credit)
If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.
If the fraudulent transaction involved a check, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.
Documents must be received with 60 days of the item being presented to the account to receive provisional credit.