Loans Tucoemas Credit Union California

Credit Cards

Receive up to $20,000 in credit with a card featuring a non-variable rate. 

Visa Credit Cards

Tucoemas VISA

Platinum Visa

Designed to offer savings to members with a low fixed rate:

  • Low Fixed Rate 
  • No Annual Fee 
  • $500,000 Travel & Accident Insurance 
  • No Balance Transfer Fee 
  • Available Credit Limits $3,000 - $20,000

Visa Classic

Designed for members who normally pay their credit card balances each month or carry a low balance.

  • Low Fixed Rate
  • No Annual Fee
  • $250,000 Travel Accident Insurance
  • Available Credit Limit $500 - $20,000

Visa Secured

Designed for members who want to establish credit or even rebuild damaged credit. 

  • Low Fixed Rate
  • No Annual Fee
  • $250,000 Travel Accident Insurance
  • Available Credit Limit $500 - $1,000

VISA Rates

Annual Percentage Rate (APR) for purchases   Platinum 10.90%.
Classic / Secured 15.50%

APR for Balance Transfers   Platinum 10.90%

Classic 15.50%.

Secured 15.50%

APR for Cash Advances   Platinum 10.90%. 

Classic 5.50%.

Secured 15.50%

How to avoid paying interest
on purchases
  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum interest charge   If you are charged interest, the charge will be no less that $1.00

For credit card tips from the Consumer Financial Protection
   To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.


Transaction Fees

Cash advance fee    $5.00 or 2.00% of the amount of each cash advance, whichever is greater

Overdraft cash advance fee    Up to $27.00

Foreign transaction fee    1.00% of each transaction in U.S. dollars

Penalty Fees
Late payment fee    Up to $20.00

Over-the-credit limit fee    Up to $20.00

Returned payment fee    Up to $27.00

How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

Minimum interest charge: The minimum interest charge will be charged on any dollar amount.

Effective Date:
The information about the costs of the card described in this application is accurate as of April 26th, 2017.

The information may have changed after that date. To find out what may have changed, contact the Credit Union.

 Other Disclosures
 Late payment fee  
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Over-the-Credit limit fee   $20.00 or the amount of the transaction exceeding your credit limit, whichever is less.
Returned payment fee   $27.00 or the amount of the required minimum payment, whichever is less.
Returned convenience check fee 

  $27.00 or the amount of the returned convenience check, whichever is less.
Statement copy fee


Document copy fee 


Rush fee 


Card replacement fee 


Request for receipt bearing signature fee 


Visa Secured Card: Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

VISA Platinum, Classic and Secured (Terms and Conditions)

To request a copy of your VISA agreement, or for additional information, please call (559) 737-5777.

 Please call (855) 368-2235 for the following services:

  • 24 hour Customer Service
  • Account questions and inquiries
  • Report lost or stolen card

In addition to the features listed each Tucoemas credit card also carries the following coverages (see loan department for detailed program disclosures):

Visa Purchased Security and Extended Protection Program*

This program automatically protects many of the new retail purchases of personal property that the cardholder makes with the credit card, at no additional charge.

To file a claim call:  1-800-848-1943

VISA Travel & Emergency Assistance Program*
This service will put you in touch with the appropriate emergency services whenever and wherever you need them, 24 hours a day, 365 days a year. The costs of any goods or services purchased is your responsibility.

For more information call: 1-800-992-6029

Visa Auto Rental Collision*

This program (“Auto Rental CDW”) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

For more information call: 1-800-VISA-911

Roadside Dispatch*

This service provides you with security and convenience wherever your travels take you be providing towing, tire changing, jump starting, lockout service, fuel delivery, and winching 24 hours a day, 7 days a week.

For more information call: 1-800-VISA-TOW

* Certain terms, conditions and exclusions apply.  Please refer to your Guide to Benefits for further details.



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Related Content

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Tucoemas Federal Credit Union |
Visalia (559) 732-8892 | Tulare (559) 685-8892 | Porterville (559) 784-8892
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Tucoemas Federal Credit Union is a BBB Accredited Credit Union in Visalia, CA
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