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

Two great cards designs to choose from:

 Angell Hall UMCU Credit Card          Blue UMCU Credit Card

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.

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

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

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Federally Insured by NCUA.
734-662-8200 or 800-968-8628