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Important VISA Information

Credit Cards

Visa loan payments will be temporarily disabled from 02/22/24 until 02/24/24. Please schedule your payment/s to process before the end of the day 02/21/24.

Ever wished you could have your very own unicorn?

Well now you can have something even better: Tucoemas' Unicorn VISA®. Low, fixed rates, no balance transfers fees and no annual fees; we think it's pretty magical!

Updated Visa Uni

Having a Tucoemas Unicorn VISA® means you're always ready for life's surprises with easy access to reasonable credit when you need it.

Visa Rates, Fees, Terms and Conditions

Access your VISA account online.

Visa applications are paused and will resume processing again in February 2024.

Learn more

Looking for more spending power at a great rate and great rewards? This is our top-of-the-line option that puts you in control.

  • Credit limits between $5,000 and $20,000
  • No fee for balance transfers
  • Request coverage over your credit limit
  • Get extra protection during online shopping with Verified by VISA®
  • With uChoose Rewards

If you're accustomed to paying off your monthly bill entirely or carrying a low balance, this card is a good fit.

  • Credit limits between $500 and $20,000
  • No fee for balance transfers
  • Request coverage over your credit limit
  • Get extra protection during online shopping with Verified by VISA®
  • With uChoose Rewards

This card is designed to help you establish credit or re-establish your credit by securing your shares as collateral for the credit limit.

  • Credit limits between $500 and $1,000
  • No fee for balance transfers
  • Includes $250,000 of Travel & Accident Insurance
  • Get extra protection during online shopping with Verified by VISA®
  • With uChoose Rewards

Each VISA® credit card also comes with these extras.

VISA® Purchased Security and Extended Protection Program*

  • Automatically protects many of the new retail purchases of personal property that you make with your card, at no additional charge
  • To file a claim, call (800) 848-1943

VISA® Travel & Emergency Assistance Program*

  • Connect to appropriate emergency services whenever and wherever you need them, 24 hours a day, 365 days a year
  • Costs of any goods or services purchased is your responsibility
  • For more information, call: (800) 992-6029

Roadside Dispatch*

  • Provides towing, tire changes, jumpstarts, lockout service, fuel delivery and winching 24/7, wherever you travel
  • For more information, call (800) VISA-TOW

* Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

Card Valet

Protect your debit and credit cards through your mobile device by receiving alerts and defining when, where and how your payment cards are used - with CardValet®!
  • Receive alerts whenever your payment cards are used
  • Establish transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations
  • Safeguard your cards: Turn them "off" if they're misplaced or stolen and back "on" when you're ready to use them
Download CardValet Today:

Android download apple download

After downloading the app, please refer to the CardValet Quick Reference Guide to get started.
Effective October 1, 2017, your Tucoemas FCU VISA Debit and/or VISA Credit card will provide the automatic Account Updater free convenience service.

Are there merchants to whom you have given your VISA Debit or VISA Credit card to keep on file for recurring payments?  If so, this applies to you. Whenever you receive a new, or renewed, VISA card, your old card's information (i.e.., card number and expiration date) will automatically update to the new card's number and expiration date - for all merchants with whom you maintain your card on file for recurring payments.

Some examples of recurring card transactions: Some examples of account-on-file transactions: 
  • Netflix, Hulu or other streaming services
  • Monthly utilities
  • Gym memberships
  • Insurance premiums
  • Recurring charitable donations
  • Uber, Lyft, or other ride services
  • Online shopping websites
  • Online payment services
  • Perscriptions

YOU MAY OPT OUT: If you do not want to utilize this convenience, you may OPT-OUT. If you opt-out of this automatic update, it will be incumbent upon you to manually update your auto-charge merchants whenever you receive an updated Tucoemas FCU debit and/or credit VISA card. 

HOW TO OPT-OUT: To OPT-OUT, please fill out this online form or visit any branch.

QUESTIONS: Please contact us

Our uChoose Rewards program concluded 12/31/23. We will be offering a new program once our core conversion is complete. Learn more about our core conversion here.


    If you need to report a lost or stolen card, please call (855) 368-2235 immediately. This number connects to 24-hour customer service where you can get general assistance with your account, too. If you want a copy of your VISA® agreement, please call (559) 732-8892.