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Visa Credit Cards

Delta County Federal Credit Union offers members over 21 years of age, the opportunity to carry a low cost Visa-branded credit card. We offer two programs. Our basic program offers an “unsecured” credit card, but we also offer a “secured” credit card. 

Secured Visa credit cards differ from unsecured credit cards in that the member is essentially borrowing money against their funds on deposit with the Credit Union. The Credit Union puts a “hold” on those funds equal to the credit limit requested. Since this arrangement reduces the risk to the credit union, we do not need to run a credit report and, consequently, we waive the application fee. This is a good option for a member who needs to build a credit history. 

Here are a few of the details of our Visa Credit Card…

  • $15 application fee (unsecured cards only).
  • No annual fee.
  • 14.25% Annual Percentage Rate (APR).
  • Card purchase limits of between $250 - $3,000, depending on credit worthiness.
  • $500 in-person cash advance limit; $250 ATM cash advance limit.
  • Click here to learn more

In order to apply for a card, simply visit with one of our lending staff and complete the card application. Our lending staff will run a credit report and consider other relevant factors in determining your credit worthiness. Once a determination is made, a credit limit will be assigned and a card ordered. Your card should arrive within 7-10 business days of the order date. Those under the age of 21 may obtain a card, but only in cases where the account is joint with an adult 21 years of age or older.

All Credit Union-issued Credit Cards come with an EMV chip for security.  For information on EMV Chip Cards please click here.

To report a Visa Credit Card lost or stolen, please contact the credit union or call: 1-800-991-4961.

Visa Credit Card Chip Technology

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