CREDIT CARDS
We offer two convenient, competitive Visa® Cards: Visa Platinum Rewards and Visa Classic
Protecting you is our top priority. View details for Online Shopping Secured with Visa here.
Visa Platinum Rewards Credit Card with JOURNEY REWARDS!
View and redeem Journey Rewards points all through Digital Banking! Not yet enrolled? Enroll in Digital Banking today!
No annual fee
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
NEW Baggage Delay Reimbursement
NEW Trip Delay Reimbursement
Fraud Detection Service
$1,000,000.00 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
FREE Auto Rental Insurance replaces the car rental company’s collision and loss damage waiver
OURCU Rewards* – Earn travel and merchandise rewards, one-point for every dollar spent
Personal, local service through our in-house management of our credit card program
*APR – Annual Percentage Rate. OURCU Rewards Powered by Amplifi
**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.
OURCU Visa Classic
Reliably low, non-variable 12.50% APR*
No balance transfer fee
No annual fee
No cash advance fee and same low rate
Fraud Detection Service
$1,000,000.00 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
Visa Interest Rates and Interest Charges
| Interest Rates and Interest Charges | |
|---|---|
| APR for Purchases | Platinum 11.50% Classic 12.50% when you open your account non-Variable Rate |
| APR for Balance Transfers | Platinum 11.50% Classic 12.50% when you open your account non-Variable Rate |
| APR for Cash Advances | Platinum 11.50% Classic 12.50% when you open your account non-Variable Rate |
| Method for Computing the Balance for Purchases |
Average daily balance method, including new purchase: The balance is the sum of the outstanding balance for every day in the billing cycle (including new purchases and deducting payments and credits) divided by the number of days in the billing cycle. |
| Minimum Balance Subject to Interest Charge | $0.50 |
| 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. Valid on Platinum Visa |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
OURCU VISA Cards Include a Powerful Fraud Detection Network
In an effort to protect your Credit Union VISA Card Account, OURCU 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 OURCU 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 OURCU 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.
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 OURCU directly at (360) 426-9701 or (800) 426-5657.
LOST OR STOLEN VISA CREDIT CARD: (800) 905-5015
