VISA Credit Card Programs

Go with the card that suits your needs. Members may choose from the VISA Classic or Platinum. Whichever one is right for you, each one comes with numerous benefits. These include:

  • Low fixed rates
  • No annual fee
  • 25-day grace period on purchases
  • Worldwide acceptance
  • ATM access at over 300,000 network
  • Access your VISA account online
  • Register for online protection through Verified by Visa

visa platinumWith our VISA Platinum from OMSEFCU, you can benefit with a low start rate for a full 6 (six) months from the time your card is activated for balance transfers and purchases.

Here are some of the other great features you'll get with our VISA Platinum:

  • Extended Credit Lines up to $20,000
  • 25-day Grace Period on Purchases
  • uChoose Rewards - The rewards program where you earn points for purchases using your Ontario Montclair School Employees Federal Credit Union Visa Platinum Card. Redeem your points for anything from a huge online rewards catalog.

Call us today to apply for your new OMSEFCU VISA Platinum Card! (909) 983-1959, Option 2 or use our secure email form or apply now using our online loan application 24 hours a day, 7 days a week.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Platinum: 8.48% APR**
Classic: 11.88% APR**
APR for Balance Transfers Platinum: 8.48% APR**
Classic: 11.88% APR**
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APR for Cash Advances Platinum: 8.48% APR**
Classic: 11.88% APR**
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None

Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

None
2% of the amount of each cash advance (minimum of $2.00,maximum of $10.00)
1% of each transaction in U.S. dollars (transactions made in foreign currency)
0.8% of each transaction in U.S. dollars (transactions made in foreign currency, billed in U.S. dollars)
Penalty Fees
• Late Payment
• Over-the-Credit Limit
• Returned Payment

up to $25.00
None
up to $25.00

*On approval of credit.
**Annual Percentage Rate shown is our lowest rate available. All loans and loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate Shown.