Member Support: Credit Cards

The Credit You Deserve

We’re here for you, big purchases and small.

Your PSECU credit card

Congratulations on your new credit card. As a PSECU member and card holder, you have access to the credit you need with great rates and low to no fees. Get ready to enjoy the following:

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • No inactivity fee

Visa® Classic Card

Enjoy low interest, with 9.9% APR** on purchases and cash advances.

  • Low-rate Visa® balance transfers, no balance transfer fee
  • Only one late fee, up to $20
  • No penalty rate increase for late payments
  • Up to $30,000 credit limit if qualified

Visa® Founder’s Card

Get cash rewards with every swipe, every order, every time. Our Founder’s Card offers 1.5% cash rewards for every purchase or 2% with a PSECU checking account and a qualifying monthly Direct Deposit totaling at least $500*.

  • 1.5% or 2% cash rewards on everything, all the time – no rotating categories
  • Rewards are easy to redeem and never expire
  • Only one late fee, up to $27
  • Up to $30,000 credit limit if qualified

 

Manage your credit cards

Manage your cards using online banking and our mobile app.

  • Manage your limit: Reduce your credit limit or request credit increases.
  • Set daily spending limits: Share a line of credit with another authorized card user without blowing your budget.
  • Lock or unlock your card: Misplaced your card? Don’t panic. Simply lock it until you find it. When you find it, unlock it, and continue going about your business.
  • Report lost or stolen cards: Surrendered on the search for your card? Or was it compromised? Simply report it along with any fraudulent charges, and we’ll take care of the rest. We’ll deactivate your card and return any fraudulent charges to you. We’ll send you a new card as soon as possible.
  • Notify us of upcoming travel: Continue enjoying your PSECU credit cards when you need them most, without interruptions.
  • Account alerts: Enroll in various text message or email alerts. Get an alert reminding you when a payment is due, or every time your card is swiped.

 

Making payments

As a member of PSECU, you can enjoy convenience and ease. Take advantage of online banking and our mobile app for managing your credit cards.

  • Pay on your credit cards
  • Check your balances
  • Clear your mind without missing a payment, and set up recurring automatic transfers from your checking share and savings share accounts

Enroll in Online Banking

Sign Up

 

Go mobile

Banking in the palm of your hand is both convenient and simple.  

 

 

TRANSFERRING BALANCES

If you decide to transfer a balance to one of your PSECU cards, we won’t charge a balance transfer fee. If you transfer a balance to either one of our cards, we’ll apply the following APRs to the balance transferred until you pay it off:

  • Visa® Classic Card: 2.9% APR**
  • Visa® Founder’s Card: 3.9% APR***

 

NEED HELP?

Check out our Credit and Debit Cards FAQs.

 

*You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on all purchases if you maintain a PSECU checking account and qualifying monthly direct deposit of at least $500. See the PSECU Visa® Founder's Card Rewards Program Terms and Conditions for full details.

**PSECU Visa® Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/19; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.9% APR and subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa account as stated in the Visa Classic Consumer Credit Card Agreement.

***PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/19; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the PSECU Visa® Founder's Card Consumer Credit Card Agreement.