Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Merced School Employees Federal Credit Union Homepage

Man shopping online with credit card

VISA Credit Cards

Merced School Employees Federal Credit Union
cu@home Login

Purchasing power is just a swipe away

Get the power to make purchases wherever you are, whenever you need to, without draining your savings.  MSEFCU offers three types of Visa credit cards – Classic, Share Secured or Student.


All of our cards come with EMV chip security, Visa purchase alerts, 3D Secure and EZ Card info to make using your MSEFCU Visa as secure and convenient as possible.  No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value.  Plus, with our Visa Scorecard rewards program, you can earn one point for every dollar spent on purchases.  Points are redeemable for travel and gift rewards.

Visa Classic

This Visa never goes out of style, and neither will the rate.  With a great low rate of 10.75% APR that’s not an introductory rate - it won’t increase in a few months, no annual fee, and a 25-day grace period, this card makes a statement.  

Share Secured Visa

Everyone has to start somewhere.  A MSEFCU Share Secured card is a great way to start building or rebuilding your credit.  The credit limit is secured by the amount deposited in your savings.  Use it anywhere Visa is accepted and build your credit, just as an unsecured card would.

Student Visa

Build credit, not debt.  A card just for students 18 and older who are first-time borrowers at MSEFCU.  The smaller credit line of $300 to $500 gives students enough to purchase the things they need without getting into too much debt.


Classic Share Secured Student
Rate 10.75% APR 8.25% APR 14.50% APR
No Annual Fee
25 Day Grace Period
Credit Limit Up to $20,000* Amount on Deposit $300 - $500*
Fee Free MSEFCU ATM Cash Advance
Score Card Rewards
Credit Life Insurance
Travel Accident Insurance
Visa Purchase Alerts
3D Secure
eZcard Info Access

*Based on Approved Credit

Apply for your MSEFCU Visa Credit Card by calling our loan department at 209-383-5550 or 800-542-2345, ext. 141 or 142, or visit your nearest branch.

To report a lost or stolen VISA card, call 209-383-5550 or 800-542-2345 ext. 104; or after hours call 800-991-4961.

Access your VISA account 24/7 with eZCard Info.

You can access your VISA account 24 hours a day, 7 days a week through EZ Card Info.

You can get information about:
• the balance on your account
• the available credit
• the date of your last payment
• order a copy of your statement (last 3 months)
• find out what your transactions were since your last statement

All of this at your fingertips! Just login through their website at www.ezcardinfo.com.

If you are having trouble logging into the eZCard Info website, call our Visa Department at 209-383-5550 x101 & x104.



We're Here For You!

Young woman driving car with friends
Found the perfect car? Let us help get you financed. Our lending team will work with you and get you on the road!
Group of elementary school kids running outside
It’s never too early to start learning how to manage your finances. Set the children in your life up for financial success by opening their very own account.
Man holding up debit card and looking at his mobile device
Saving for the future? Let us help get you started! Our team can assist with you with our many options!