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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.

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: July 27, 2023
CARD TYPE
APR1 (as low as)
CASH ADVANCE FEE
CARD TYPE
VISA Signature Rewards
APR1 (as low as)
Variable 13.15% - 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. 

Start your VISA Credit Card application

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.

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

Signature rewards Visa Credit Card for daily purchases can be more rewarding!

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites.

Privacy and security policies may differ at this link site from those practiced by the credit union.

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. 

 

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:

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Clear credit card photo at Consolidated Community Credit union with a low fixed rate.

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites.

Privacy and security policies may differ at this link site from those practiced by the credit union.

CCCU Debt Consolidation ebook

Discover debt consolidation tools that can help you today!

Our Debt Consolidation: Expectations vs Reality guide will help you learn valuable information about debt consolidation and what to expect when you set out to reduce your overall debt.

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.

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.

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites.

Privacy and security policies may differ at this link site from those practiced by the credit union.

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.