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PEFCU VISA Credit Card Program 

ScoreCard Bonus Points

Now you can use your ScoreCard Reward points for Cash Back and for select Gift Cards. And, don't worry we still offer the same excellent travel and brand merchandise rewards.
Earn 1 point for every $1.00 in purchases and in the months of November and December this will double to 2 points for every $1.00 in purchases. Your ScoreCard Bonus Points will be there when you need them - there is no expiration date on points. The following link is to the ScoreCard Reward website to view all the ScoreCard benefits that your PEFCU Visa Credit Card has to offer.
To go even a step further - if you need to transfer other high interest rate balances to the PEFCU Visa card we will give you matching ScoreCard Points for your transferred balance.

Secured VISA Credit Card

We now offer a Secured Visa Credit Card to help you rebuild or build new credit. Simply secure funds in a Savings (Share) Account or another deposit account within our minimum limit of $300 to open. Your secured funds do accrue interest dividends while they are held.

Quick Easy Payments

Set up Auto Transfer to make payments from a PEFCU Savings or Checking account through Webb-It 24 Online Banking or CAT 24/7.  Is your Checking Account at another Financial Institution? No problem, you can make your payment 24/7 from our PEFCU website or through Webb-It 24 Online Banking.  We offer free (online only) ACH payments from another Financial Institution too. Click here for more information and to learn more about our Web Visa & Loan Payment. 

Reporting lost, stolen, or compromised cards                                

If you believe that your card has been lost, stolen, or compromised, call PEFCU Card Services at 1-800-226-6673 during business hours or 1-855-477-1129 after hours, weekends, and holidays to report immediately. You can also block your card on Webb-It 24®, Home Banking, the PEFCU Mobile Banking App, or our CAT service 24/7.  Sign up for our PEFCU Cards to get instant notifications on transacations.  Watching your accounts and transactions will greatly reduce the fraud on your account and for PEFCU.  
Your PEFCU Visa Credit Card is protected from fraudulent/unauthorized changes by VISA’s Zero Liability Policy*.

Fraud Protection Program

Your PEFCU Visa Credit Card is protected by our Fraud Protection Program. When a transaction on your card appears to fall outside of your usual spending pattern, an alert is created and sent to a fraud analyst or automated voice system which will then contact you at home or on your cell phone to verify whether you authorized this transaction. 
It is extremely important that we have your most up to date contact information on file. Contact us at 1-800-226-6673 if you feel your contact information needs to be updated or if you would like to add/update your cell phone number or e-mail address on our files. 


Get Peace of Mind when you shop online using Verified by Visa      

Our fraud protection program is pretty awesome, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password. 
When you shop at participating online stores, you’ll enter your Visa Credit Card Number, plus your unique Verified by Visa password. It’s that easy. And, your card information is secure!
Register today! It’s free and takes just a moment. Let Verified by Visa help protect you when you shop online.



Apply today!


Credit Card Terms

Annual Percentage Rate (APR) for purchases
9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the type of card you qualify for based on your credit worthiness when you open your account.
Annual Percentage Rate (APR) for Balance Transfers
9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the type of card you qualify for based on your credit worthiness when you open your account.
Annual Percentage Rate (APR) for Cash Advances
9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the type of card you qualify for based on your credit worthiness when you open your account.
Secured Visa Credit Card
10.9% APR
Paying Interest
The due date is at least 25 days after the close of each billing cycle. Interest is not charged on purchases or balance transfers if you pay your entire balance by the due date each month. Interest begins on cash advances on the transaction date.
Annual Fee
Card Replacement Fee
Minimum Monthly Payment
3% of balance
Method of computing the Balance for Purchases
Average Daily Balance
Penalty Fees
   Late Payment Fee
   Return Payment
Up to $20.00
Credit Card Statement Copy
Over-the-Credit-Limit Fee
International Transaction Fee
.8% of the International Transaction Amt
International Currency Conversion Fee
1% of the International Transaction Amt
How we will calculate your balance
We use a method called “Daily Balance (including new purchases)”. See your Account Agreement for more details.
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Additional Benefits:
 - Worldwide acceptance
 - Travel insurance benefits
 - Cash advances from any ATM displaying the VISA logo
*Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For more information, visit
VISA Travel Accident Insurance Classic 250K
VISA Travel Accident Insurance Gold 500K
VISA Travel Accident Insurance Platinum 1M

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at