Borrow – Visa Cards –

Credit Cards

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Credit Cards

  • Visa Basic Credit Card

    Our lowest-rate-possible card designed to help those who are looking to pay off debt quickly.

    Features

    • Low variable rate
    • No annual fee
    • No balance transfer fees
    • 25-day grace period on purchases

    APR as low as

    10.74%

    Variable Rate

    Apply Now

    Disclosure Information

    Visa Basic Credit Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    10.74% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Cash Advances
    10.74% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Balance Transfers
    10.74% - 18.00%
    When you open your account, based on your creditworthiness.
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Visa Basic Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  • Visa Rewards Credit Card

    Every qualifying purchase gets you closer to attractive rewards such as travel rebates on airline tickets, hotel stays, and rental cars.

    Features

    • Low variable rate
    • No annual fee
    • No balance transfer fees
    • 25-day grace period on purchases

    APR as low as

    12.24%

    Variable Rate

    Apply Now

    Disclosure Information

    Visa Rewards Credit Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Cash Advances
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Balance Transfers
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Visa Rewards Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  • The Aggie Card

    Features Utah State University designs. A percentage of all proceeds are donated to the USU Alumni Association to support university programs.

    Features

    • Earn rewards when you use it
    • Supports USU Programs
    • Low variable rate
    • No annual fee

    APR as low as

    12.24%

    Variable Rate

    Apply Now

    Disclosure Information

    The Aggie Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Cash Advances
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Balance Transfers
    12.24% - 18.00%
    When you open your account, based on your creditworthiness.
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the The Aggie Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  • Simply Platinum Credit Card

    Offers a low-fixed rate and no annual fee. Options include a rebate program with up to one-percent cash back on qualifying purchases. Or choose the no-rebate option for the lowest rate.

    Features

    • Cash rebate program
    • Low fixed rate
    • No annual fee
    • No balance transfer fees
    Without Cash Rebate

    APR as low as

    11.75%

    Fixed Rate

    With Cash Rebate

    APR as low as

    14.75%

    Fixed Rate

    Apply Now

    Disclosure Information

    Simply Platinum Credit Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    Without Cash Rebate
    11.75% - 18.00%
    When you open your account, based on your creditworthiness.
    With Cash Rebate
    14.75% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Cash Advances
    Without Cash Rebate
    11.75% - 18.00%
    When you open your account, based on your creditworthiness.
    With Cash Rebate
    14.75% - 18.00%
    When you open your account, based on your creditworthiness.
    Annual Percentage Rate (APR) for Balance Transfers
    Without Cash Rebate
    11.75% - 18.00%
    When you open your account, based on your creditworthiness.
    With Cash Rebate
    14.75% - 18.00%
    When you open your account, based on your creditworthiness.
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Simply Platinum Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  • Signature Credit Card

    Enjoy 1.5% cash back with every purchase and no annual fee. Other benefits include TSA pre-check reimbursement, lost luggage reimbursement and concierge service.

    Features

    • Earn 1.5% cash back on all purchases deposited quarterly
    • Concierge services
    • Low rate
    • No annual fee
    With 1.5% Cash Back

    APR as low as

    16.24%

    Variable Rate

    Apply Now

    Disclosure Information

    Signature Credit Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    With 1.5% Cash Back
    16.24%
    Annual Percentage Rate (APR) for Cash Advances
    With 1.5% Cash Back
    16.24%
    Annual Percentage Rate (APR) for Balance Transfers
    With 1.5% Cash Back
    16.24%
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Signature Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  • Visa Share Secured Credit Card

    Designed to help members build or rebuild their credit with a low interest rate. Secured by money in their account makes this card quick and easy to qualify for.

    Features

    • Low variable rate
    • No annual fee
    • No balance transfer fees
    • 25-day grace period on purchases

    APR as low as

    11.50%

    Variable Rate

    Apply Now

    Disclosure Information

    Visa Share Secured Credit Card
    INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR) for Purchases
    0.00% Introductory APR for a period of six billing cycles
    11.50%
    Annual Percentage Rate (APR) for Cash Advances
    11.50%
    Annual Percentage Rate (APR) for Balance Transfers
    11.50%
    How to Avoid Paying Interest on Purchases
    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.
    Minimum Interest Charge
    None
    For Credit Card Tips from the Federal Reserve Board
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
    FEES
    Annual Fee
    None
    Transaction Fees
    Balance Transfer Fee
    None
    Cash Advance Fee
    1.50% of each cash advance
    Foreign Transaction Fee
    1.00% of each multiple currency transaction in U.S. dollars
    1.00% of each single currency transaction in U.S. dollars
    Transaction Fee for Purchases
    None
    Penalty Fees
    Late Payment Fee
    Up to $22 if you are 15 or more days late in making a payment
    Over-the-Credit Limit Fee
    None
    Returned Payment Fee
    $22.00
    Other Fees
    Card Replacement Fee
    $5.00
    Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
    Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)
    Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Visa Share Secured Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.