Check our redesigned VISA Card with rates as low as 8.99% APR*

In the past, our VISA rate was 14.9% APR* for all cards. Now we are going to a
credit-based system that allows us to give better rates to members who have excellent credit - as low as 8.99% APR,* and with No Annual Fee.
Please note that Share Secured VISA Cards will still be available at 10.00% APR.*

Apply now for this competitive rate.

VISA Cards

To apply for a OFCCU VISA, call the Main Office at 216-241-1088, Ext. 223 or press option 5.
VISA credit card services offered by OFCCU.  
Below is a summary of the terms and related services when obtaining a VISA credit card from OFCCU

Secured card credit line from $500.00 to unlimited limit equal to an amount on deposit in your OFCCU account
Classic card credit lines from $500.00 to a maximum of $10,000.00
*The APR is current as of October 1, 2014. There is no Annual Fee. Qualification is based on an assessment of individual creditworthiness and our underwriting standards at first issue and at re-issue. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at (216)-241-1088 or
(800)-562-6029 for current rates, terms and conditions.
VISA Cards Now Available for Young Adults
Ages 16 - 20 can now qualify for an OFCCU VISA with the same rate and terms as all other Classic VISA Card holders.
Credit limits for 16 and 17 year olds is from $500 to $3,000, with parent or guardian also on the account.
For ages 18 - 20, credit limits can range from $500 to $5,000 and qualifications can vary.
Contact one of the numbers listed above for complete details.

Are You In Trouble With Your Credit Cards?
Visit this Federal Trade Commission site here for valuable information.

Read OFCCU's VISA Credit Card Agreement Here

OFCCU's VISA Credit Card Disclosures
Interest Rate And Interest Charges
Annual Percentage Rate (APR) for  Purchases
14.90%  VISA Classic

10.00%  VISA Secured*
APR for Balance Transfers VISA Classic
14.90% APR

VISA Secured
10.00% APR-Secured*
APR for Cash Advances VISA Classic
14.90% APR

VISA Secured
10.00% APR-Secured*
Variable Rate Information
Balance Calculation Method
Average Daily Balance (Including new purchases)
How To Avoid Paying Interest On Purchases
Your due date is at least 35 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
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
Transaction Fees - Foreign Fee None
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $20.00
Up to $30.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases). March 1, 2010
Effective Date. The information about the costs of the card described in this application is accurate as of October 6, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
Other Fees:  
Late Payment Fee $20.00 or the required payment, whichever is less, if you are ten (10) or more days late making a payment.
Returned Check Fee $30.00 or the required minimum payment, whichever is less
Statement Copy Fee $10.00
Document Copy Fee $15.00
Rush Fee $30.00
Card Replacement Fee $10.00 per card replaced
Express Card Fee $12.00 for replacement card mailed within 3 business days
Stop Payment Fee $30.00
Archived Statement Copy Fee $10.00 per page
Pay-by-Phone Fee $10.00 per payment performed by a real person
Mandatory Pick Up Fee $65.00 - late or over limit
Annual Fee
Cash Advance Fee
Over Limit Fee
Minimum Finance Charge

* Secured with money on deposit at OFCCU

The information about the costs of the card described here is accurate as of October 6, 2010. 
This information may have changed after that date. 
To find out what changes may have occurred, write us at
P.O. Box 5877, Cleveland, OH 44101-0877.

Lost or stolen Visa call: 800-808-7230.

Click here for a pdf of this information to save or print.
ScoreCard VISA Rewards - Earn valuable Bonus Points for every net dollar you spend with OFCCU's ScoreCard VISA Awards. Exchange your ScoreCard points for fabulous travel and brand-name merchandise
Verified by VISA - Protect your Visa Credit Card account against unauthorized use when you shop at participating merchants.
EZ Card Info - Access your account anytime, anywhere, 24 hours a day and 7 days a week at

US Patriot Act requires Identity Verification on all new accounts.

Equal Opportunity Lender