CREDIT CARDS

Transfer your high interest credit card balances to an OURCU VISA® and enjoy low, non-variable APRs* that help you pay down debt faster! Plus, enjoy 2% cash back just for transferring your existing balance!

🦄 12% APR* - VISA® Classic

🦄 11.50% APR* - VISA® Platinum with Journey Rewards

OURCU Credit Cards Offer:

✨ No Cash Advance Fees

✨ No Annual Fee

✨ No Balance Transfer Fee

✨And Now with Tap to Pay

Ready to Apply?

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*APR = Annual Percentage Rate. APRs are non‑variable. Balance transfer savings offer applies to qualifying balance transfers made to an OURCU Visa® Classic or Visa® Platinum with Journey Rewards Credit Card. Approval is subject to creditworthiness and membership eligibility. Balance transfer amounts may not exceed your available credit limit. Finance charges begin accruing from the date the balance transfer is posted. No balance transfers are permitted from existing OURCU loans or credit cards. A balance transfer of $3,000 would result in 2% cash back, yielding $60 in promotional savings. Actual cash‑back amounts will vary based on the total qualifying balance transferred. This promotion expires on April 30, 2026. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call 800-426-5657 for details.

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 Card

Visa Platinum Rewards Credit Card comes 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 or transferred from another card
  • 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.

Apply Here Today!
  • 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
Apply Here

Visa Classic Card

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
VISA Disclosure. APR = Annual Percentage Rate. The information on the card described in the brochure is accurate as of July 24, 2023. This information may change without notice.

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