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Visa Credit Cards

A MSEFCU VISA credit card is a great way to borrow from your credit union at a low interest rate. It gives you convenient purchasing power, saves you money and is accepted worldwide.  We offer three types of VISA cards--Classic, Share Secured and Student.  All of our VISA cards offer low rates, a 25-day grace period on purchases and no annual fee. 


Our Visa card has enhanced security features with an EMV embedded chip for advanced security when used in a chip card reader. The chip card is more difficult to counterfeit or copy, adds another layer of security, and helps protect you. You can continue to swipe your card to make payments with the magnetic stripe, just as you have in the past, at merchants that haven’t transitioned to the chip card reader yet. Each VISA cardholder will receive a new individual PIN, please remember this new PIN as it may be required to authenticate a transaction.

As an added bonus, we offer the ScoreCard Bonus Point program. Each time you use your MSEFCU VISA to pay for purchases you earn valuable Bonus Points good toward travel and gift rewards. You earn one bonus point for every dollar you spend on purchases. Bonus points are calculated automatically and are included on your monthly VISA statement. The ScoreCard Bonus Point program applies to all of our VISA cards.

Visa Credit Card Agreement | Visa Share Secured Credit Card Disclosure | Visa Classic Credit Card Disclosure | Visa Student Credit Card Disclosure

VISA Classic

  • A Great low rate of only 10.75% Annual Percentage Rate (APR)
  • No Annual Fee
  • 25 day grace period on purchases
  • Worldwide acceptance
  • Up to $20,000 credit limit-based on approved credit
  • Fee Free ATM cash advances (at any ATM where the VISA logo is displayed)
  • Travel Accident Insurance-up to $250,000 (when travel is paid for with VISA)
  • Protection available through Credit Life Insurance
  • Easy terms and payments to fit your budget

Share Secured VISA

This is a great way to establish credit, rebuild your credit, or simply enjoy a low interest rate. Credit limit is tied to the amount on deposit in your savings account.

  • Low rate of only 8.25% APR
  • No Annual Fee
  • 25 day grace period on purchases
  • Worldwide acceptance
  • Fee Free ATM cash advances (at any ATM where the VISA logo is displayed)
  • Travel Accident Insurance-up to $250,000 (when travel is paid for with VISA)
  • Protection through Credit Life Insurance
  • Easy terms and payments to fit your budget

Student VISA

Must be 18 years of age, a first time borrower at MSEFCU and enrolled as a student in high school or college.

  • Credit line of $300 to $500
  • Rate of only 14.50% APR
  • No Annual Fee
  • 25 day grace period on purchases
  • Worldwide acceptance
  • Fee Free ATM cash advances (at any ATM where the VISA logo is displayed)
  • Travel Accident Insurance-up to $250,000 (when travel is paid for with VISA)
  • Protection through Credit Life Insurance
  • Easy terms and payments to fit your budget

Apply for your MSEFCU loan by calling our loan department at 209-383-5550 or 800-542-2345, ext. 141 or 142, or visit your nearest branch.

To report a lost or stolen VISA card, call 209-383-5550 or 800-542-2345 ext. 104; or after hours call 800-991-4961.

VISA Purchase Alerts

Visa Purchase Alerts-- help to protect you from fraud by sending near real-time alerts on your MSEFCU Visa debit and/or credit cards by allowing you to monitor your account from wherever you are. Just enroll your MSEFCU Visa debit and credit cards to be notified of transactions on your card. You set the criteria for which transactions you would like to be notified with an alert—exceeding a specific dollar amount, online activity or international transactions. Plus, you choose how you want to receive Purchase Alerts—as text messages (SMS) and/or as email messages. Let’s start working together to keep your accounts secure, enrolling only takes a matter of minutes, simply click here to enroll today.

MSEFCU does not charge for this service, however, standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier.

Get reassurance that ONLY YOU can use your MSEFCU ATM Debit and Credit cards online.

Enjoy added security for all your online ATM Debit and Credit card purchases with Verified by Visa. It's the easy new way to protect your ATM Debit and Credit cards online by using a personal password. And, we are pleased to offer you this service at no additional charge to you. Your Verified by Visa password helps ensure that only you can use your ATM Debit and Credit card numbers to buy online. Your personal information is safe and secure because it's transmitted using a high level of encryption and is stored on a secure server. Once your card is activated, your card number will be recognized whenever you purchase at participating online stores. You'll enter your password in the Verified by Visa window, your identity will be verified, and the transaction will be completed. In stores that are not yet participating in Verified by Visa, your ATM Debit and Credit cards will continue to work as usual.

Verified by Visa Register now for simple, free security when you use your MSEFCU ATM Debit card.

Access your VISA account 24/7, whenever it's convenient for you!

You can access your VISA account 24 hours a day, 7 days a week through EZ Card Info. You can get information about the balance on your account, the available credit, the date of your last payment, order a copy of your statement (last 3 months), and find out what the last five transactions were since your last statement. All of this at your fingertips! Just login to you cu@home and click on your credit card account information and it will take you directly to your EZ Card Info page. If you do not have cu@home just call 866-297-3407 or visit their website at www.ezcardinfo.com.

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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