Take advantage of the security, reliability, and convenience that comes with the RCU Preferred Visa. You'll enjoy features like acceptance at millions of locations, global recognition, and protection from fraudulent purchases.

Online Services

You can pay your RCU Preferred Visa online.
Plus, obtain account information, transfer money from your RCU accounts to your card, schedule payments, view account history, and check your CURewards balance!

Other benefits include:

Earn CUReward Points
No annual charge
Low competitive rate
25-day interest-free grace period
Easy application process, approved locally
No minimum finance charge
No transaction charges for purchases or cash
advances
Make payments on eBranch or at any RCU office
Several automatic payment options
Optional credit insurance protection

CURewards

Earn reward points each time you use your card.
As an RCU Preferred Visa cardholder, you automatically earn one point for every dollar you spend (excludes returns and cash advances), and your monthly statement keeps you updated with your total. Accumulated points stay on your account for five years.

Reward points can be redeemed for home goods, electronics, travel, and more! You can take home a reward for as few as 3,250 points.

View a rewards list.

Peace of Mind
RCU protects cardholders with sophisticatd fraud-fighting tools that proactively predict, monitor, and prevent fraud from occurring. If you're ever the victim of identity theft, we'll work with you, the credit bureaus, and the authorities to get your life back in order—a free service to all RCU Members.

Other enhancements include:

Travel accident and baggage delay insurance
Cardholder inquiry service
Emergency card or cash disbursement
Lost or stolen card reporting
Auto rental collision damage
Warranty manager
Purchase security
Travel assistance
Roadside dispatch service
Personal identity theft coverage
Online purchase protection with Verified by Visa

Verified by Visa — Visa offers online protection of your RCU Preferred Visa. The first time you use your card through the Visa network for a purchase over the Internet at a participating merchant, you will be prompted to create a unique password. This password will help verify your identity during future Internet purchases at participating vendors.
View more information from Visa or register.

Apply for your RCU Preferred Visa.*
Use the Credit Card Payoff Calculator.

*You must be a Member of RCU to complete this application.
Join RCU by completing the Membership Application.

Rates & Disclosures

Annual Percentage Rate Visa:

9.58% APR as of 07/17/2008

Variable Rate Information: Your annual percentage rate may vary, and rates are subject to increase after consummation. The rate is determined by the average of the prior calendar quarter's 91-day US Treasury Bill Auction plus an 8% margin. This may be as high as 18% in the event of delinquency. In other words, there is a penalty imposed if a person is not current for the time required. The delinquency rate would continue for six months during which one would have to be current throughout. If so, then one returns to the regular, underlying rate.

Grace Period: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases:
Two-cycle average daily balance (including new purchases).

Minimum Finance Charge: No charge

Over the Limit Charge: $10.00

Transaction Charge for Cash Advances or Purchases:
No charge

Late Payment Charge: $20.00

The information about the cost of the cards described in this application is accurate as of 07/17/2008. This information may have changed after that date.