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Merced School Employees Federal Credit Union Homepage

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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.


Apply Now!



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 $25,000* 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 eZCard 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! In cu@home, click the EZ Card tab to be directly linked with your eZCard Info account or just login through their website at

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


Visa Credit Card Agreement | Visa Share Secured Credit Card Disclosure 

Visa Classic Credit Card DisclosureVisa Student Credit Card Disclosure

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