This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.

Visa Platinum OptimUM - An Amazingly Low Rate

After hours lost/stolen Visa number: 1-800-847-2911. If you are traveling outside of the U.S. and need to report a lost/stolen Visa, CLICK HERE for a complete list of Toll-free Numbers.

Visa Platinum OptimUM has an amazingly low 8.99% A.P.R.*! Discover all the exciting details below.

When it comes to travel and shopping, Visa is the most widely accepted card available. You can use your Visa to make purchases or cash advances all over the world including Visa Network ATMs nationwide. Plus, we'll help you close out those higher-rate cards and have one easy monthly payment.

Some of the features of the Visa Platinum OptimUM include:

Features Visa Platinum OptimUM
Credit Line $1,000 - $50,000***
Annual Fee None
Grace Period 27 Days for Purchases. None for Cash Advances.
Auto Rental Insurance Yes
ATM Access Yes
Tellerphone and MemberNet Access Yes
Overdraft Option Yes
Minimum Payment Calculation 2% of the Outstanding Balance, Plus Any Amount Over Your Limit

Special Notices:

  1. There is a 1% international service fee to convert foreign transactions into U.S. dollars. These transactions will appear as separate transactions on your statement. 
  2. The credit union reserves the right to block transactions from certain merchants due to a high incidence of fraud from that merchant. Please, contact us at 734-662-8200 or 800-968-8628 for information about affected merchants.

Visa is requiring consumers to enter a password when making Internet purchases from certain vendors with a Visa debit or credit card. This is called "Verified by Visa," and it is protection for you when you buy online. The password is linked to your card, not to your computer. Verified by Visa Help Desk can be reached at: 1-800-857-3118.

Apply online through your MemberNet Online Banking account, stop by one of our branches, or call our Contact Center 734-662-8200 or 800-968-8628 to apply today!

*A.P.R.=Annual Percentage Rate. **Certain restrictions, limitations, and exclusions apply. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details. ***Credit limit determined by creditworthiness.

Interest Rates and Interest Charges
Visa Platinum OptimUM
Annual Percentage Rate (APR) for Purchases

8.99% Non-variable

APR for Balance Transfers

8.99% Non-variable

APR for Cash Advances

8.99% Non-variable

Penalty APR and When it Applies There is no penalty APR.
How to Avoid Paying Interest on Purchases Your due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge There is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to considers when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at



Set-up and Maintenance Fees

  • Annual Fee



Transaction Fees

  • Balance Transfer
  • Foreign Transaction
  • Non-UMCU/Non-CO-OP ATM Transaction
  • Overdraft Protection


No charge for balance transfers.
1% of each transaction amount in U.S. dollars. 

Penatly Fees

  • Late Payment
  • Over-the-Credit Limit


Up to $35.00

Other Fees

  • Replacement Card
  • Sales Draft Copy
  • Statement Copy
  • Account Research
  • Expediated Phone Payment


$5.00 for each card
$30.00 per hour

How We Will Calculate Your Balance: We use a method called "average 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.

Click here to view the Visa Platinum OptimUM Credit Card Disclosures and Agreement.

UMCU Online Banking loginUMCU Financial Calculators
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628