VISA Credit Card

To report a lost or stolen Visa after hours dial:  800-322-8472

Designed to be different.  That's Oakdale Credit Union's philosophy for this credit card.  As the member you can feel at ease because you are family; you've built a reputation for yourself with good credit and now it's time for us to offer something back.  We offer three credit cards: the Visa Regular Rewards at 10% Annual Percentage Rate, the VISA Platinum Rewards at 9% Annual Percentage Rate and VISA Regular no rewards at 8% Annual Percentage Rate.  Certain restrictions do apply so please contact us for additional information.  Printable Credit Card Application.

  • No fee for balance transfers

  • No annual membership fee

  • No transaction fee for purchases

  • No minimum finance charges

Truth in Lending Credit Card Application Disclosure

OCU credit card balance information and payment transfers are available in web banking. For detailed transaction information or real time balances please log into

Visa Credit Card Fees

Regular Rewards Card 10% Annual Percentage Rate
Platinum Rewards Card 9% Annual Percentage Rate
Regular Regular No Rewards Card 8% Annual Percentage Rate
Grace Period for repayment of the balance for purchases 25 days
Method of Computing the balance for purchases and Cash advances Average Daily Balance, Including New
Minimum Finance Charge None
Transaction fee for purchases None
Annual Fee None
Card Replacement Fee $10.00
Late Payment $15.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Return Payment Fee $20.00 or the amount of the required minimum payment, whichever is less.
Statement Copy $5.00
Document Copy $5.00
Emergency Card Replacement $150.00
Card Recovery Fee $65.00