Purchasing power is just a swipe away
Get the power to make purchases wherever you are, whenever you need to, without draining your savings. MSEFCU offers three types of Visa credit cards – Classic, Share Secured or Student.
All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift rewards.
Visa Classic
This Visa never goes out of style, and neither will the rate. With a great low rate of 10.75% APR that’s not an introductory rate - it won’t increase in a few months, no annual fee, and a 25-day grace period, this card makes a statement.
Share Secured Visa
Everyone has to start somewhere. A MSEFCU Share Secured card is a great way to start building or rebuilding your credit. The credit limit is secured by the amount deposited in your savings. Use it anywhere Visa is accepted and build your credit, just as an unsecured card would.
Student Visa
Build credit, not debt. A card just for students 18 and older who are first-time borrowers at MSEFCU. The smaller credit line of $300 to $500 gives students enough to purchase the things they need without getting into too much debt.
Apply for your MSEFCU Visa Credit Card by calling our loan department at 209-383-5550 ext. 141 or 142, or visit your nearest branch.
To report a lost or stolen VISA card, call 209-383-5550 ext. 104; or after hours call 800-991-4961.
| Classic | Share Secured | Student | |
| Rate | 10.75% APR | 8.25% APR | 14.50% APR |
| No Annual Fee | • | • | • |
| 25 Day Grace Period | • | • | • |
| Credit Limit | Up to $20,000* | Amount on Deposit | $300 - $500* |
| Fee Free MSEFCU ATM Cash Advance | • | • | • |
| Visa Rewards Program | • | • | • |
| Credit Life Insurance | • | • | • |
| Travel Accident Insurance | • | • | • |
| ID Navigator Powered by NortonLifeLock | • | • | • |
| Visa Purchase Alerts | • | • | • |
| 3D Secure | • | • | • |
*Based on Approved Credit
**Effective February 1, 2021, MSEFCU will no longer provide Auto Rental Collision Damage Waiver. All other card benefits will remain in place. For more information please contact 209-383-5550 ext. 330
ID Navigator Powered by NortonLifeLock - Receive identity and social security number alerts, one-bureau credit monitoring, and more. Click here to learn more.
Visa Purchase Alerts - Stay on top of your account activity. Sign up to receive a text or email alert for your MSEFCU Visa transactions. Visa Purchase Alerts will give you real-time notifications to help you identify suspicious activity, fast. Click here to enroll now.
Access your VISA account information safely through your cu@home online banking
You can access your VISA account 24 hours a day, 7 days a week through your cu@home online banking account.
All of this at your fingertips! Just login to your online banking today!
If you are having trouble logging in, call our Visa Department at 209-383-5550 x101 & x104.
Visa Credit Card Agreement | Visa Share Secured Credit Card Disclosure
Visa Classic Credit Card Disclosure | Visa Student Credit Card Disclosure
Travel Notices
Heading out of town and planning on using your MSEFCU Debit or Credit Card? To ensure your debit and credit cards work smoothly during your travels, use the "Travel Notices" feature in your mobile app or online banking! By letting us know where and when you’ll be traveling, we can help protect your accounts from unauthorized transactions and ensure your debit/credit cards work seamlessly during your trip.
Follow the simple steps below to set up a travel notice and enjoy a stress-free trip!
How to set up a travel notice:
• Click “Add travel notice”
• If you are traveling within the U.S., you can select up to 5 states you are planning to travel to
• If you are traveling outside of the U.S., you can select up to 5 countries
• Select the date you plan to leave and the date you expect to return
• Ensure that your email and phone number are up to date
• Lastly, select the debit/credit cards you will be using while you are traveling
• Click the save button
• You will have the option to return and edit/delete the travel notice if your plans change
