The ideal credit card option includes the right rate, and much more.

The EMUCU Visa® Platinum Optimum features one of the lowest rates available, which translates into savings on purchases and balance transfers from cards with higher interest rates. That same great rate also means lower monthly payments when you make this Visa® your go-to card for everyday purchases from merchants in Michigan and elsewhere.

  • Rates as low as 8.99% APR*
  • No annual fee*
  • No application fee
  • $1,000 minimum credit limit
  • Overdraft protection option
  • EMV chip technology for maximum security
  • No fee balance transfers and cash advances
  • 27-day grace period for purchases
  • Add to the mobile wallet on your smartphone or mobile device
  • Visa Platinum Optimum Disclosure
*Offer subject to credit approval.  APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice.   The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.