Visa^® Credit Cards

Our Visa has no annual fee, no cash-advance fee, and a 25-day interest-free grace period for purchases when you pay your balance in full each month. You'll save .25% APR when you make payments via AutoPay. And, as with all our products, you can manage your Visa account 24 hours a day via Internet, phone, and mail.

Platinum or Classic Visa
Choices Visa
Important Information about your Visa credit card
Online Personal Finance Education

Platinum or Classic Visa*

With a credit line of up to $20,000, our low-rate Visa puts money back in your pocket when you transfer your high-interest balances from other financial institutions' credit cards and small consumer loans. Our Visa convenience checks make moving your balances as easy as writing a check (just give us a call, and we'll mail them to you).

Check today's loan rates and terms, then call us to find out how much money you could save on interest by transferring your high-interest credit card balances to a School Employees Credit Union Visa today.

Once you receive your card, you'll want to register your Visa with our online banking system so you can manage your Visa account online.

* Eligibility for Platinum or Classic cards is determined by your credit information. All products are subject to credit approval.

Choices Visa ^® credit card*

When a parent or guardian co-signs, members ages 11 through 17 can qualify for a Visa credit card with limits up to $500. The Choices card has all the features of our Classic Visa. It makes an excellent teaching tool (and a gives your teen a head start on building a good credit rating) as part of the Choices suite of services. Members tell us it's especially handy when teens travel for school activities or use it for specific purposes like buying fuel, clothing, or school supplies.

* Eligibility for products is subject to credit approval.

Important information about your Visa credit card.

Annual fee: None
Annual percentage rate for purchases, cash advances, and balance transfers:

7.90% APR (7.65% APR with AutoPay)

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9.90% APR (9.65% APR with AutoPay)


Default APR: 9.90% (9.65% with AutoPay) 

Method of computing balance for purchases: Average daily balance (including new purchase)

Cash-advance fee: None

Grace period: 25 days when paid in full by next statement date

Late fee: $15

Exceeding credit limit fee: $10

Fee for purchases: None

Balance transfer fees: None

Although subject to change, this Annual Percentage Rate (APR) has been in effect since the card's introduction.  The APR assumes automated payment.  For other payment methods, the rate is 7.90% APR - 9.90% APR.

Online Personal Finance Education

Credit Matters - Using credit wisely will help you achieve your goals while avoiding financial pitfalls.


Cut your risk of card fraud 

Follow these tips to protect your cards from unauthorized use:

• Never respond to telephone or e-mail requests asking for personal account information or Social Security number.
• Never disclose your account number over the phone, Internet, or by mail unless you know you're dealing with a reputable company.
• Never write your account number on a postcard or the outside of an envelope.
• Draw a line through blank spaces on charge slips so the total can't be changed.
• Don't sign a blank charge or debit slip.
• Carry as few cards as possible.
• Never carry your PIN in your wallet or write it on your cards.
• Open statements promptly and report discrepancies immediately.
• Keep receipts so you can check them against your statement.

For more tips on safeguarding your accounts and identity, please link to BALANCE, our trusted partner for financial education.