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Online Banking


Visa Credit Card

 Reward Yourself When You Use Our VISA® Credit Card

With a Community Alliance Credit Union VISA® Platinum Credit Card, You'll Get Rewards and Free Benefits.

2.99% APR* Introductory Rate on Visa® Balance Transfers for First Six (6) Months - Plus No Transfer Fees!*

Use the balance transfer form below to pay off high rate credit cards and consolidate debt!  This will lower your monthly payment and put more cash in your pocket.

  • No Annual Fee
  • Visa Balance Transfer Form  Print, complete it and return to the Credit Union.
  • Call us anytime 24/7 at 734.464.8079, option 5VISA card
  • Reward yourself with gift cards, merchandise, travel, event tickets, and more
  • VISA's® Zero Liability Policy**
  • To report a lost or stolen credit card call 800.828.3901 
  • Visa Checkout - the simple way to checkout online


Credit Card Rates
Effective Date: Tuesday, October 4th, 2022
Card TypeAPRRewards
VISA Platinum Preferred Premium (a,b) 10.99% Travel, Gifts (Preview Rewards)
VISA Platinum Preferred (a,b) 14.99% Travel, Gifts (Preview Rewards)
VISA Platinum (a,b) 20.99% Travel, Gifts (Preview Rewards)

(a) Variable Rate: The rate is determined monthly by adding 4.74% to Prime (6.25% as of September 21 2022) for a Platinum Preferred Premium, 8.74% to Prime for a Platinum Preferred, and 14.74% to Prime for a Platinum. The Prime rate used to determine your APR is the Prime Rate published in the Wall Street Journal on the first business day following the 20th of the calendar month.

(b) Visa rates are excluded from the .25% rate discount when enrolled in direct deposit & automatic payment from your CACU Checking Account. 

Traveling Soon? 

Let us know before you go so your credit card will not shut down due to unusual spending.  Please print, complete and return to the credit union this Visa Credit Card travel notice.  Keep in mind, this will take 24 to 48 hours to take affect.

Earn Rewards!

Score Card Rewards 

Our VISA® Card Gives You Rewards through ScoreMore

  • Earn Rewards: $1 = 1 point (excludes balance transfers and cash advances)
  • Reward points are redeemable for up to three years, reward yourself with: 
    • Gift cards
    • Merchandise
    • Travel
    • And More!
  • ScoreCard Customer Service 800.854.0790

eAlerts for your Visa Credit Card

  • Custom Alerts - You set-up these alerts and select where to alert you at with an e-mail or text message.
  • Standard Alerts - These are predefined by the Credit Union.  There is no set-up required and they are delivered to your e-mail address.  You may opt-out of these alerts.

Go Paperless! Visa Paperless Statements...Good for the Environment & Easy to Do!

  1. Log into Internet Banking, then there's a tab on the top for Visa Access
  2. On the left hand side click on "Statements"
  3. Then click on "Delivery Options"
  4. Choose "Paperless"
  5. Last, click "I Agree"

It's that easy! 

Once you've signed up for paperless Visa® Credit Card statements, you'll receive an email that you are signed up.  You will receive a monthly email notifying you that your Visa® Credit Card statement is now ready for your review. 

Visa Checkout - The easier way to make purchases online

Easily pay online with Visa Checkout at your favorite stores with a single sign on. Set up your account, and start spending less time filling out forms when you shop online. On your smartphone, tablet, laptop or desktop, Visa Checkout works with your existing CACU debit and credit cards across all your devices, no matter where you are. So, shopping stays convenient and paying online gets even easier.  Enroll for free now..

  1. Sign up
  2. Store info
  3. Check out

Skip the forms and speed through online checkout everywhere you see the Visa Checkout button.

With this new experience, you’ll be able to click to pay with your Visa cards wherever Visa is accepted. This new click to pay experience aims to simplify paying online by eliminating the need to remember passwords and reducing the amount of lengthy form fields at checkout.

With this new payment experience, you'll enjoy online checkout that is:

  • Easy:  Say good-bye to passwords and long form fields
  • Smart:  Activate once at any participating merchant site.  Choose to be remembered and you'll be set up for a streamlined checkout with your Visa card on your device whenever you click on the icon where Visa is accepted.
  • Secure:  You can feel confident using your Visa card knowing that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use.

*APR = Annual Percentage Rate.  No balance transfer fees, this is for a limited time and subject to change without prior notice.  After first 6 months, your 2.99% rate converts to a variable rate1.
**Covers U.S. issued cards only for unauthorized transactions. Policy does not apply to PIN transactions.
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