United Methodist Credit Union

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Products and Services • Visa Credit Cards

VISA Preferred Apply Now

Visa Preferred Card is designed to reward those members who have above average credit and a Beacon Score of 680 or higher. It offers all the great features of a traditional Visa Classic Card, but has a lower interest rate. If you qualify for the Visa Preferred Card, you may transfer balances from other higher interest rate cards to your Visa Preferred Card.

VISA Classic Apply Now

Visa Classic offers convenience, reliability, and worldwide acceptance at more than 18 million merchants world-wide. You may also use your Visa for mail, telephone, or internet orders and for cash withdrawals at over 645,000 ATMs.

Church Visa Apply Now

Today, many United Methodist Churches provide their pastors and staff with a credit card for church related business. Most often balances are paid as the bill comes due. In some cases, the church will need to carry a balance for a period of time. The West Ohio United Methodist Visa Card works well in both situations. When you pay the balance in full each month, there are no fees or interest charged on purchases for the first 25 days. When you need to carry a balance, our Church Visa offers a low interest rate as indicated below in the disclosure table. The card prominently displays the United Methodist Cross and Flame.

VISA On Track Apply Now

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	Visa Preferred	Visa Classic	Visa Standard	Visa Church	Visa On-Track
Annual Percentage Rate	8.9%	12.9%	17.0%	6.9%	8.9%
Grace Period for Repayment of the Balance for Purchases	25 days	25 days	25 days	25 days	25 days
Method of Computing the Balance for Purchases and Cash Advances	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)
Miniumum Finance Charge	None	None	None	None	None
Transaction Fee for Purchases	None	None	None	None	None
Annual Fee	None	None	None	None	None
Late Fee	$25	$25	$25	$15	$25
Over the Limit Fee	$20	$20	$20	None	$20