Visa Classic

After Hours Lost/Stolen Visa number: call 1-800-991-4965.
To report your card as lost or stolen outside of the United States, please call this U.S. phone number collect: 1-813-570-4881.

When it comes to travel and shopping, Visa is the most widely accepted card available. You can use your Visa to make purchases or cash advances all over the world including Visa Network ATMs nationwide. Plus, we'll help you close out those higher-rate cards and have one easy monthly payment. 

Features Visa Classic
Credit Line $1000 - $25,000
Annual Fee None
Interest Rate Fixed*
Grace Period 27 Days for Purchases. None for Cash Advances.
Auto rental insurance Yes
ATM Access Yes
Tellerphone and MemberNet Access Yes
Overdraft Option Yes
Minimum Payment Calculation 4% Of The Outstanding Balance, Plus Any Amount Over Your Limit
Interest Rate For complete interest rates, click here

*Your Visa Classic interest rate is determined by participating in other UMCU services. The more services you use, the lower the rate. Each service reduces your rate by 0.40%. The following services qualify for Visa Classic rate discounts: automatic payment transfer, another open UMCU loan, an open UMCU checking account, $5000 in an IRA or TSA at UMCU.  Please note that the relationships must be on the same account as your Visa Classic. Click here for the Visa Credit Card Disclosure.

Special Notices:  

  1. If you use your Visa check card (or credit card) for a transaction in a foreign country, Visa's 1% international service fee to convert the foreign transaction into U.S. dollars will now appear as a separate transaction on your statement.
  2. The credit union reserves the right to block transactions from certain merchants due to a high incidence of fraud from that merchant. Please contact us at 734-662-8200 or 800-968-8628 for information about affected merchants.

Visa is requiring consumers to enter a password when making Internet purchases from certain vendors with a Visa debit or credit card. This is called "Verified by Visa," and it is protection for you when you buy online. You can create your password now at www.visa.com/verified.**  The password is linked to your card, not to your computer.

Members registered for our online banking service, MemberNet, may apply on-line; or stop by one of our offices, or call our Member Service Phone Center (734) 662-8200 or (800) 968-8628 to apply.

To learn more about our Visa Platinum card, click here.

After Hours Lost/Stolen Visa number: call 1-800-991-4965.

 

**Links from our web site are provided for your convenience only. These linked sites are separate from our credit union's web site and UMCU is not responsible for the content or availability of these sites or their privacy policies. In addition, a link from our web site to another does not indicate that UMCU endorses that site's advertisers, services or policies.

 
NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.