Credit Cards
Credit cards may have earned a nasty reputation for all that is evil, but let's face it, everybody should carry one. And the one you carry should have no annual fee (like ours), a low fixed-rate (like ours), and the VISA® logo (like ours) to ensure you are getting the best value and convenience possible.
Here are a few reasons the DCU Visa is tops:
  • Fixed rates as low as 8.95%*
  • No annual fee
  • No penalty APR
  • No balance transfer fees
  • No cash advance fees
  • No minimum interest charges

DCU Visa

rates apply
After you receive your new DCU VISA, make sure to transfer the balances from all those other pesky high interest rate cards you have. Your balance transfer rate could be as low as 5.95% APR and will be good for the life of the balance transfer. To initiate a balance transfer, click here or call 800-808-7230.

Already have a DCU VISA card? View transaction details and manage your account online at
Interest Rates and Interest Charges
Annual Percentage Rate for Purchases(APR)                                       8.95% - 17.95%, based on your creditworthiness
APR for Balance Transfers
5.95% - 14.95% Introductory Rate
     For balances transferred within 90 days of account opening
8.95% - 17.95%
     For balances transferred after 90 days of account opening             
APR for Cash Advances 8.95% - 17.95%, based on your creditworthiness
Pentalty APR and When it Applies                            Not Applicable
Paying Interest
Your due date is at least 25 days after the close of each billing cycle.  We will not  charge you interest on purchases if you pay your entire blance by the due date of each month.  We will begin charging interest on cash advances and balance transfers on the transaction date.            
Minimum Interest Charge None
Annual Fee None
Transaction Fees:
  • Balance Transfer Fee
  • Cash Advance Fee
  • Foreign Transaction Fee  
1% of each transaction in US dollars                           
Penalty Fees:
  • Late Payment
  • Returned Payment
Up to $25.00
Up to $30.00
How We Will Calculate Your Balance:  We use a method called "average daily balance (including current transactions)."  See your account agreement for more details.
*APR= Annual Percentage Rate. Rates range from 8.95-17.95%, depending on your credit qualifications.
Balance transfer promotional rate offer available to new cardholders only. Balance transfer rate will be 3.00% less than approved credit card rate. To be eligible for promotional balance transfer rate; balances must be transferred within 90 days of receiving new card.
"I went online and requested a credit card and then decided to check on refinancing my existing automobile loan. I was amazed at the response time and great customer service given by our Credit Union employees. When the necessary information was submitted, the loan was approved within the day. It was so easy!

Karen Zecher
Darden RSC Executive Assistant


Visa Discounts



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