Visa Credit Cards


Card Options

  • Card Type:

    Signature

    Promotional APR (fixed):

    N/A

    APR (fixed):

    11.00%**

  • Card Type:

    Platinum

    Promotional APR (fixed):

    6.9%*

    APR (fixed):

    8.9%

  • Card Type:

    Gold

    Promotional APR (fixed):

    8.9%*

    APR (fixed):

    10.9%

  • Card Type:

    Classic

    Promotional APR (fixed):

    13.9%*

    APR (fixed):

    15.9%

  • Card Type:

    Secured

    Promotional APR (fixed):

    N/A

    APR (fixed):

    15.9%

* Excludes Visa Signature Card.  Discounted rates are for a maximum of one year.  Regular rates apply to cash transactions such as ATM withdrawals.  As of 9/1/2022, regular rates were: Platinum 8.9% APR, Gold 10.9% APR and Classic 15.9% APR.  SCU loans are excluded from the balance transfer rate and reward points.  5,000 points maximum rewarded for balance transfers made during the promotional period of October 15, 2022 to December 31, 2022.  Rates, conditions and programs subject to change without notice.  May be subject to income verification. Download Visa Agreement & Disclosures (117 KB PDF)

** The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 11/03/2022, the Prime Rate was 7.00%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 11.00%. The minimum credit limit for the Visa Signature card is $5,000.  Rates, conditions and programs subject to change without notice. May be subject to income verification. Download Visa Signature Agreement & Disclosures (120 KB PDF)

Card Benefits

All Cards

Cashback & Prizes

Earn and redeem points for every credit card purchase.

Balance Transfers

Request a transfer and save if you switch to a lower rate.

No Extra Charges

No annual fee. No balance transfer or cash advance fees. See Visa Cost Information.

Peace of Mind

Free identity theft resolution services from Cyber Scout.

Verified by Visa

Enroll for password-based security whenever your card is used online.

Visa Signature Card

All the benefits listed in "All Cards" above, PLUS:

More Points

Earn 25% more points for every credit card purchase.

Variable Rate

Save money on interest when rates go down. See Visa Signature Cost Information.

Concierge Service

Enjoy personalized travel, unforgettable experiences, special offers, and VIP access through complimentary 24/7 Visa Signature Concierge Service

Secured

All the benefits listed in "All Cards" above, PLUS:

Get a card while working on your credit

Set aside $300 to $5,000 in your savings account to secure your card in the same amount.

Same benefits as Classic Visa

Low rates.
No annual fee.

Card Assistance

Travel Notification

Avoid card inconveniences. Let us know you're traveling.

Change PIN

Call 1-888-886-0083.

Open a Credit Card

Apply Online

Not a member? Find out how you can join!