Visa Card Program

SPCU offers four different VISA cards from which you can choose. Our VISA Card program allows you to choose the credit card that best suits your needs. You must be 18 years of age or older to qualify.

VISA Classic:

14.00% APR $12 annual fee (refundable) 25 day grace period on purchases Minimum credit limit is $500 Maximum credit limit is $10,000

Share/Certificate Secured VISA:

12.00% APR
$12 annual fee (refundable)
25 day grace period on purchases
Minimum credit limit is $500
Maximum credit limit is $10,000
You must pledge an amount equal to your VISA credit limit in your share or certificate account.
Shares must remain pledged while your share secured VISA is open.

Student VISA:

16.00% APR
$5 annual fee
25 day grace period for purchases
Minimum credit limit is $100
Maximum credit limit is $500
Proof of valid Student I.D. is required

VISA GOLD Card

9.90% APR 25 day grace period for purchases Minimum credit limit is $5,000 Maximum credit limit is $25,000 Convenience checks NO Annual Fee Additional services include: purchase security, extended protection, auto rental insurance, card activation, emergency card replacement, customized PIN numbers.

Apply for an Unsecured/Credit Card Loan