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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, and 3D Secure 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 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!

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.


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
Visa Rewards Program
Credit Life Insurance
Travel Accident Insurance
ID Navigator Powered by NortonLifeLock
Visa Purchase Alerts
3D Secure

*Based on Approved Credit

**Effective February 1, 2021, MSEFCU will no longer provide Auto Rental Collision Damage Waiver. All other card benefits will remain in place. For more information please contact 209-383-5550 ext. 330

ID Navigator Powered by NortonLifeLock - Receive identity and social security number alerts, one-bureau credit monitoring, and more. Click here to learn more. 

Visa Purchase Alerts - Stay on top of your account activity. Sign up to receive a text or email alert for your MSEFCU Visa transactions. Visa Purchase Alerts will give you real-time notifications to help you identify suspicious activity, fast. Click here to enroll now. 

Access your VISA account information safely through your cu@home online banking

You can access your VISA account 24 hours a day, 7 days a week through your cu@home online banking account.

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 to your online banking today!

If you are having trouble logging in, 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


We're Here For You!

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