Credit Cards
Credit Cards with Community in Mind
You’re already spending, so why not earn rewards?
Choose the card that best fits your lifestyle, with benefits designed to help you save, earn, and build credit.
Tucoemas Credit Card Features
- Access through Digital Banking
- Card Controls and Fraud Monitoring
- Digital Wallet Capabilities (Apple and Google Pay)
- VisaCard Guide to Benefits
- Pay your full balance by the due date to avoid interest charges
- Instant Issue at branches
Platinum VISA®
- As low as 10.90% APR*
- Credit limits between $5,000 and $20,000
- Earn rewards** (1 point for every $1 spent)
- No fee for balance transfers
- Get extra protection during online shopping with Verified by VISA®
Classic VISA®
- As low as 13.99% APR*
- Credit limits between $500 and $20,000
- Earn rewards** (1 point for every $1 spent)
- No fee for balance transfers
- Get extra protection during online shopping with Verified by VISA®
Unicorn VISA®*
- Fixed rate at 17.99% APR
- Credit Limit $500 – $5,000
- No annual fee
- No fee for balance transfer
- Extra protection during online shopping with Verified by VISA
To apply for our Unicorn VISA, contact our loans specialist at (559) 732-8892 opt. 1, then opt. 4.
Secured VISA®
- As low as 15.50% APR*
- Credit limits between $300 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®
Services
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: |
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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
VISA Rates & Disclosure
If you need to report a lost or stolen card immediately, please call 1 (888) 297-3416 . If you want a copy of your VISA® agreement, please call (559) 732-8892.
Become a Member
As part-owner of Tucoemas, our profits flow down to you through better rates and lower fees.
Disclosures
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*APR = Annual Percentage Rate. Rates are determined by creditworthiness. Not all will qualify for the lowest rate.
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**Accumulated rewards expire after 24 months.
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*Approval for the Unicorn VISA® is not guaranteed and is subject to review of identity, income, credit history, and other application information. Additional documentation may be required. Tucoemas may approve, decline, or offer a different product, and terms and conditions may change