Visa

Discover how we can help you save even more money while earning valuable rewards with the OCCU Visa Platinum Rewards Card!

We offer two convenient Visa® Cards: Visa Platinum and Visa Classic Rewards.

VISA® PLATINUM REWARDS CARD

Visa Platinum Rewards credit card comes with everyday ScoreCard® Rewards!
Visit Visa ScoreCard Rewards for more details.

  • No annual feeApply Here button
  • No balance transfer fee
  • No cash advance fee or higher interest rate
  • Low, non-variable 11.50% APR* on balance transfers, cash advances and purchases
  • Fraud Detection Service
  • $1,000,000 Travel/Accident Insurance
  • 25 day grace period on purchases**
  • Transfer your other high rate credit cards over and save money
  • Lower minimum monthly payments – Only 2% of your monthly outstanding balance

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  • FREE Auto Rental Insurance, replaces the car rental company’s collision and loss damage waiver
  • OCCU Rewards* – Earn travel and merchandise rewards, one-point for every dollar spent or transferred from another card
  • Personal, local service through our in-house management of our credit card program

*APR – Annual Percentage Rate.  OCCU Rewards Powered by ScoreCard®
**Finance charges will be imposed on any new purchases only if they are not paid in full within 25 days after the close of the billing cycle.

 

VISA® CLASSIC CARDOCCU Classic Credit Card

  • Reliably low, non-variable APR*
  • No balance transfer
  • No annual fee
  • No cash advance fee and same low rate
  • Fraud Detection Service
  • $1,000,000 travel/accident insurance
  • Lower minimum monthly payments – Only 2% of your monthly outstanding balance
  • FREE Auto Rental Insurance, replaces the car rental company’s collision and loss damage waiver

    *APR – Annual Percentage Rate.Apply Here button

PLANNING A TRIP? Helpful tips for traveling with your card.

LOST OR STOLEN VISA® CREDIT CARD: (800) 991-4965

VISA Credit Card Agreement

OCCU VISA® cards include a powerful Fraud Detection Network

In an effort to protect your Credit Union VISA® Card account, OCCU utilizes a fraud monitoring system called Falcon Fraud Manager, which screens card activity 24 hours a day, 7 days a week. 

When you use your OCCU VISA® Card, our fraud detection network will quickly analyze the transaction.  If a questionable transaction is made outside of your normal purchasing pattern, the automated system will reach you directly.  The automated call will identify itself as Our Community Credit Union’s Fraud Detection Service in order to verify transactions on your OCCU VISA® credit card account.

If they are not able to reach you directly, they will leave the call back number on your answering machine and identify themselves as Our Community Credit Union’s  Fraud Detection Service.  When you return the call you will receive the automated system and will be prompted to verify the charges.

VISA FRAUD CENTER:  Debit Card: (888) 373-2896  |  Credit Card: (800) 369-4887

Of course, your transactions change over time.  The system continues to learn along with them, updating itself with every transaction.  If you plan to travel outside the state or country, please contact us at (800) 426-5657.

If you have any questions, please contact OCCU directly at (360) 426-9701 or (800) 426-5657.