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The Whitendale branch will be closed for renovation beginning Monday, 9/24/18*

Credit Cards

When you're on the move, you need a credit card that keeps pace. Our three VISA® options provide something for everyone.
Credit cards are a must-have tool for your personal finances. When you want more flexibility with a great interest rate, check out our VISA® options. They all come with low, fixed rates and no annual fees, plus extra protections when you travel throughout Tulare County, California, and beyond.

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
  • Includes $500,000 of Travel & Accident Insurance
  • Request coverage over your credit limit
  • Get extra protection during online shopping with Verified by VISA®

uChoose Rewards

uChoose Rewards is a program which allows you to redeem points for cash back and thousands of items such as hotels, rental cars, event tickets, gift cards such as Starbucks®, Best Buy®, Shell® ... and merchant rewards from brands like Sony®, Fitbit® and Kitchen Aid®.

Start rewarding yourself today by applying for a Tucoemas VISA, featuring uChoose Rewards. You’ll earn 1 point for every dollar spent, whether you make in-store purchases or online.

Tucoemas Credit Cards offer you the flexibility and convenience you deserve. With no balance transfer fee and no annual fee, the Tucoemas VISA is a great choice!

Apply online or give us a call at (559) 737-5777 to get started!

  • Enrolling is easy: Register your Platinum Visa card at uChooseRewards.com
  • Login - first time users will need to register and create and user profile
  • Track and Manage your points at uChooseRewards.com
  • Redeem your points online for thousands of items

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) 737-5777.

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
  • Includes $250,000 of Travel & Accident Insurance
  • Request coverage over your credit limit
  • Get extra protection during online shopping with Verified by VISA®

uChoose Rewards

uChoose Rewards is a program which allows you to redeem points for cash back and thousands of items such as hotels, rental cars, event tickets, gift cards such as Starbucks®, Best Buy®, Shell® ... and merchant rewards from brands like Sony®, Fitbit® and Kitchen Aid®.

Start rewarding yourself today by applying for a Tucoemas VISA, featuring uChoose Rewards. You’ll earn 1 point for every dollar spent, whether you make in-store purchases or online.

Tucoemas Credit Cards offer you the flexibility and convenience you deserve. With no balance transfer fee and no annual fee, the Tucoemas VISA is a great choice!

Apply online or give us a call at (559) 737-5777 to get started!

  • Enrolling is easy: Register your Platinum Visa card at uChooseRewards.com
  • Login - first time users will need to register and create and user profile
  • Track and Manage your points at uChooseRewards.com
  • Redeem your points online for thousands of items

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) 737-5777.

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
  • Includes $250,000 of Travel & Accident Insurance
  • Get extra protection during online shopping with Verified by VISA®

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) 737-5777.

uChoose Rewards

uChoose Rewards is a program which allows you to redeem points for cash back and thousands of items such as hotels, rental cars, event tickets, gift cards such as Starbucks®, Best Buy®, Shell® ... and merchant rewards from brands like Sony®, Fitbit® and Kitchen Aid®.

Start rewarding yourself today by applying for a Tucoemas Platinum VISA, featuring uChoose Rewards. You’ll earn 1 point for every dollar spent, whether you make in-store purchases or online.

Tucoemas Credit Cards offer you the flexibility and convenience you deserve. With no balance transfer fee and no annual fee, the Tucoemas Platinum VISA is a great choice.

Apply online or give us a call at (559) 737-5777 to get started!

  • Enrolling is easy: Register your Platinum Visa card at uChooseRewards.com
  • Login - first time users will need to register and create and user profile
  • Track and Manage your points at uChooseRewards.com
  • Redeem your points online for thousands of items

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) 737-5777.

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.
Platinum Rewards Rewards Secured
Annual Percentage Rate (APR) for purchases 10.90% 13.99 - 17.99%
based on your creditworthiness
15.50%
APR for Balance Transfers 10.90%. 13.99 - 17.99%
based on your creditworthiness
15.50%
APR for Cash Advances 10.90%. 13.99 - 17.99%
based on your creditworthiness
15.50%
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum interest charge If you are charged interest, the charge will be no less that $1.00
For credit card tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.



Transaction Fees
Cash advance fee $5.00 or 2.00% of the amount of each cash advance, whichever is greater

Overdraft cash advance fee Up to $27.00

Foreign transaction fee 1.00% of each transaction in U.S. dollars

Penalty Fees
Late payment fee Up to $20.00

Over-the-credit limit fee Up to $20.00

Returned payment fee Up to $27.00

How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

Minimum interest charge: The minimum interest charge will be charged on any dollar amount.

Effective Date:
The information about the costs of the card described in this application is accurate as of April 26th, 2017.

The information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures
Late payment fee
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Over-the-Credit limit fee $20.00 or the amount of the transaction exceeding your credit limit, whichever is less.
Returned payment fee $27.00 or the amount of the required minimum payment, whichever is less.
Returned convenience check fee

$27.00 or the amount of the returned convenience check, whichever is less.
Statement copy fee

$5.00

Document copy fee

$10.00

Rush fee

$25.00

Card replacement fee

$10.00

Request for receipt bearing signature fee

$20.00


VISA® Secured Card: Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.


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.

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