DCU Secured Visa^® Classic Card

• No Annual Fee – You can save up to $45 over other credit cards.
• Low Everyday Rates – Save over other bank and store cards with a rate well below the national average. Transfer your higher interest credit card balances to your DCU Secured Visa Classic and start saving immediately. Check our our current rates.
• Earn Points With Every Card Purchase – With each purchase you charge on your DCU Secured Visa Classic you earn points with our ScoreCard^TM Program. Use your points to purchase airline and travel services or quality merchandise. (Note that cash advances and Visa Checks are not card purchases.)
• 25-Day Interest-Free Grace Period On New Purchases – You have a minimum of 25 days without a finance charge on new purchases if you pay the total "new balance" on your monthly statement each month by the due date and there has been no cash advance activity.
• No Cash Advance Or ATM Fees – Other cards may charge you a minimum fee or a percentage of your advance. Not DCU! You can get advances 24-hours a day, with no DCU fee, from any ATM displaying the Visa logo. You can also get advances anytime through DCU's Easy Touch Telephone Teller System or PC Branch. Transfer money to any of your DCU savings or checking accounts or have a check mailed to you. (Other institutions may charge you to use their ATMs for Visa advances.)
• Free Travel Insurance Coverage – When you charge tickets on any common carrier (airline, train, ship, or bus), you're automatically covered to $100,000 with Secured Visa Classic.*
• Guaranteed Reservations – You are assured your room remains available if you arrive late at participating hotels, motels, and resorts.*
• Optional No-Fee Overdraft Protection On Your DCU Checking – Your overdrafts are automatically charged to your Secured Visa Classic up to your credit limit when you choose this option.*
• Fraudulent Activity Protection – To protect your account and minimize fraudulent activity, we sometimes place blocks on particular merchants or locations where we learn fraud is prevalent. We always work closely with Visa to monitor current fraud patterns and add or remove blocks as these patterns change. These blocks affect international travelers the most. If you are traveling abroad and plan on using your DCU Visa or Check Card, it is always a good idea to contact DCU to learn if a block is in effect for the country you are visiting. Please call 508.263.6700 or 800.328.8797, email us at dcu@dcu.org, or speak with a Member Service Representative regarding your upcoming international travel plans.

• Visa Rates
• Calculating Finance Charges