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Simple credit card options to fit your style and spending plan.

With a VISA Credit Card from CCCU, you get some of the best rates in the industry, plus no annual or balance transfer fees2. You'll love how much you save.
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CREDIT CARD RATES

[1] APR=Annual Percentage Rate. Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union. 

Rates as of: May 8, 2023
CARD TYPE
APR1 (as low as)
CASH ADVANCE FEE
CARD TYPE
VISA Signature Rewards
APR1 (as low as)
Variable 12.90% - 15.90%
CASH ADVANCE FEE
3% of Amount Advanced
CARD TYPE
VISA Clear
APR1 (as low as)
Fixed 9.95%
CASH ADVANCE FEE
None

[1] APR=Annual Percentage Rate. Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union. 

Apply now for a VISA Credit Card:

Credit
Card Benefits

Find the credit card that fits your lifestyle! With options to earn rewards or waive cash advance fees, our credit cards give you the flexibility you're looking for.

Fancy dinner out on the town with friends, using a CCCU credit card.

Competitive Rates

Get the convenience, flexibility, and security you need at a great interest rate.

No Annual or Balance Transfer Fees

You can kiss annual fees and balance transfer fee goodbye.

Card Controls

Freeze your card, set spending limits, travel notifications, and more, all within our mobile app.

Peace of Mind

Additional protection for Visa Signature cards, including Roadside Dispatch®, Travel and Emergency Assistance Services, and more.
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Signature Rewards Visa Credit Card

With our Visa Signature Rewards Credit Card, you earn points with every purchase—from entertainment to travel, and gift cards to cash rewards. And unlike many other rewards programs, it’s easy to redeem your points.

  • Earn 1 point for every $1 you spend
  • Choose from thousands of rewards redemption options
  • Low, variable rate3
  • No annual fee
  • No balance transfer fee2
  • Card Controls - mobile app
  • EMV chip for enhanced security
  • Digital wallet ready

Already have a Signature Rewards Visa Card? Get your CCCU Credit Card Controls App here:

Apple App Store Logo-1     Google Play Logo-1

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Signature rewards Visa Credit Card for daily purchases can be more rewarding!
Stylish couple celebrates with rewards points from the CCCU signature rewards program.

More About Our Rewards

You earned it, why not reward yourself? With our rewards program, you can earn rewards on the purchases you already make. With each signature-based transaction with your CCCU Signature Rewards Visa,  you'll earn points that you can redeem for electronics, jewelry, travel, cash, and even cash back to your CCCU account. 

  • Earn: Shop at any in-store or online participating retailer with your CCCU Signature Rewards Visa and watch your points add up.
  • Track: Your gift options and up-to-date point total are included on monthly statements available through CCCU’s online banking. 
  • Shop: Earn points at hundreds of participating online, in-store and local retailers. You can also track your mall points earned.
  • Redeem: Combine points to get travel services, merchandise and more.
Visit CURewards.com for a complete listing of benefits and gifts. This is where you'll also log into your rewards account or register for the first time. 

 

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Clear Visa Card

Whether you're paying for everyday expenses, making larger lifestyle investments, or transferring balances to consolidate high-interest debt, you shouldn’t have to fear using your credit card. Our Visa Clear Card keeps you in control of your finances.

  • Low, fixed rate
  • No annual fee or balance transfer fees2
  • No cash advance fee
  • Generous credit lines
  • Card Controls
  • EMV chip for enhanced security
  • Digital wallet ready

Already have a Clear Visa Card? Get your CCCU Card Management App here:

Apple App Store Logo-1     Google Play Logo-1

Apply Now
Clear credit card photo at Consolidated Community Credit union with a low fixed rate.
CCCU Budgeting eBook

Start building your perfect budget today!

Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

Ready to get started? Download your guide now:

What our members are saying:

“What I liked about CCCU was that they helped me get my first credit card without withholding our money.”

Albano R.

“My credit score was dinged due to a fraudulent unpaid cable bill. Nick was awesome, finding out the root of its bogusness and giving me advice on how to get it taken off my credit score. He was spectacular!”

Reed B.

“I've belonged to other larger credit unions before this one and - although the atmosphere in them was certainly better than a typical bank - I found the loan services in the other credit unions to be exactly like a normal bank, relying in the end on standard algorithms. This group was the only credit union (or bank) that I encountered where a single person worked with me from start to finish (no separation between sales and loan officer), and the only credit union that really took a careful individual look at assets, history, etc.   So...I highly recommend them for both everyday banking and loans.”

John C.

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Frequently Asked Questions About Credit Cards

What info do I need to submit a balance transfer?

You’ll need:

  • a monthly statement that includes the name and address of the other financial institution (CCCU accounts are excluded)
  • your full account number at that financial institution
  • the amount you’d like to transfer
How is the variable APR for my credit card determined?

Your Standard variable APR is determined by adding a Margin to the U.S. Prime Rate as published in The Wall Street Journal. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR (not applicable on fixed rate, Clear credit cards), not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

How do I check the status of my credit card application?
What should I do before traveling to safeguard my credit card account?

You can set up travel notifications in our CCCU Credit Card Management mobile app, send us a secure message through online banking, or call us all 800.444.8115. Be sure to let us know the dates you’ll be traveling and where you’re going.

How do I add an authorized user to my account?

To add an authorized user, contact us.

How do I redeem my credit card rewards?

To check your balance and redeem your rewards, go to the CURewards website www.curewards.com.

DISCLOSURES
Membership eligibility required. All loans subject to credit approval. [2] Balance transfer fees may apply during promotional rate periods. Contact credit union for complete list of fees. [3] Actual Annual Percentage Rate is based on creditworthiness and will vary based on the Prime Lending Rate. Rates, terms, and conditions are subject to change. For more information, refer to our Visa Disclosures or contact the credit union. 

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© Consolidated Community Credit Union | Routing #: 323075136

Privacy Policy | Schedule of Fees & Rates | Disclosures 

CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.