Visa Platinum
OFCU’s Visa Platinum Card offers great features and services:
- No Annual Fee
- Rewards Program Available**
- 25 day grace period on retail sales
- Online Banking Features
- Account History
- Recent Activity
- eStatements
- Card Controls & Alerts
- Installment Payments
- Online Fraud Disputes
- Make purchases anywhere VISA is accepted
- Credit Limit evaluated on an individual basis
2.99%*
Intro APR on purchases & balance transfers for 12 months!
13.96% – 18% APR after 12 billing cycles, based on credit worthiness.
Apply for an OFCU Credit Card Online!
*After 2.99% APR Intro Rate for 12 billing cycles, APR will be 13.96% – 18%, based on credit worthiness. The intro rate offers are available for new cardholders only.
Installment Payments
Now offering
Buy Now…Pay Later
Installment Payments
Rates as low as
5.99% APR
As a Visa Platinum credit cardholder, you now have the power to divide large, qualifying purchases over monthly installment payments at a lowered interest rate.***
Buy now, select your purchase, select your monthly installment plan, and pay back your purchases on your terms!
Installment Payments are a financial product brought to you by Otero Federal Credit Union. OFCU may change APRs, fees and other account terms in the future based on your experience with the Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to the Otero Federal Credit Union website or the OFCU Mobile Banking App for additional information.
***OFCU Mobile/Online Banking required to use Installment Payments. Purchase must be greater than $150 from qualifying merchants. Installment payments available after 12 months for six (6) to eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the Otero Federal Credit Union Mobile App and will be contingent on qualifying purchase.
Visa Platinum Rewards**
**Rewards eligibility based on creditworthiness, other restrictions may apply.
Share Secured Credit Card
Our Visa Platinum Share Secured Credit Card offers you a chance to build your credit for the first time, or improve your credit history. We invite you to talk with one of our loan officers or Apply Today!
- It’s a real credit card, not a debit card or a pre-paid card
- Using your secured credit card will build a credit history with the three major credit bureaus
- Get started with a refundable security deposit
Rates effective as of November 22, 2024.
| Visa Platinum Credit Card | Annual Fee, Balance Transfer or Cash Advance Fees1 | Base APR |
|---|---|---|
| With Rewards | NONE | 14.96% with an Intro Rate of 2.99% for the first 12 billing cycles. Installment Payments Rate 5.99% |
| Without Rewards | NONE | Base - 13.96% Tier 1 - 16.96% Tier 2 - 18.00% All with an Intro Rate of 2.99% for 12 billing cycles. Installment Payments Rate Base - 5.99% Tier 1 - 7.99% Tier 2 - 9.99% |
| Share Secured without Rewards | NONE | 14.96% with an Intro Rate of 2.99% for the first 12 billing cycles. |
| 1 Visa Platinum Solicitation Disclosure: VISA Platinum/VISA Platinum Secured Disclosures. | ||
Rates are subject to change. The rates and terms listed apply to members with excellent credit histories. Other members may qualify but rates and terms may vary. Contact a loan officer at your local branch for more details.