If you’re ready to choose a new credit card, consider getting one from a credit union. We offer many perks and advantages that traditional banks don’t, including better credit card options. Keep reading to learn more about how a Valley Credit Union credit card can save you money, give you great rewards and even protect your personal information.

Save Money: Credit Cards with No Annual Fee

Is your current credit card costing you more than it’s worth? Many banks only offer high-interest credit cards. Then they also tack on hidden fees. A credit card should make your life simpler, not more complicated.

Our credit cards can help you save money. We offer interest rates as low as 9.00% *APR, in addition to:

• No annual fee
• No processing fee
• No balance transfer fees
• No cash advance fees
• Minimum payment is only 3% of the loan balance

_{*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's creditworthiness, credit history, and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.}

Great Rewards with More Choices

What good is a reward you’ll never use? We believe that the best rewards programs are the ones that give you more choices. So, we offer credit card rewards through uChoose Rewards. Basically, you choose which rewards you earn with your points. You’ll love the huge variety of options available, including:

• Cash back
• Millions of merchandise redemption options
• Gift cards for dining, entertainment, gas, travel, retail and more (over 100 retailers available

uChoose Rewards also lets you pool your points across all your registered cards and accounts, so you can earn rewards faster.

We Prioritize Your Safety, Security, and Privacy

These days, people are more and more aware of the need for security when it comes to credit cards. When you have a Valley Credit Union credit card, we’ll help you protect yourself and your information with Card Valet -- a fraud mitigation and management tool that gives you complete control over when, where and how your card is used.

You can even turn your card “off” from your mobile device so that no one can use it until you’re ready to turn it “on” again. You can also easily set up customizable alerts on your mobile device to tell you about when and how your card is being used. You can also set up Card Valet so that certain types of transactions (such as purchases in other parts of the country) will be automatically declined.

We also use credit cards with EMV chip technology, which is now the global standard when it comes to added security for credit and debit cards. These little microchips are specifically designed to guard against fraudulent transactions and protect your payment data.

See if You Qualify

If you’re in the Salem, Oregon or surrounding areas and in the market for a new credit card, consider Valley Credit Union. Contact us today!

About the Author

 Justin Roberts, Vice President of Lending

Justin Roberts is our Vice President of Lending and has been in the financial industry for over 18 years. He is an Oregon State University Graduate and has just completed Western CUNA Management School. When he is not focused on helping the members at Valley, you will find him coaching his two sons and volunteering his time to help develop the youth in our communities through sports.