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Credit Card

Credit Union Credit Cards Through Valley Credit Union

Choose Valley Credit Union for your next credit card

If you’re thinking of getting a new credit card, don’t hesitate to contact us. We know choosing a credit card can be difficult when there are so many options available. Valley Credit Union is a great option for anyone in the Salem, OR area. Contact us now!

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Online Credit Card Access

Want to transfer your debt and save? Is it time to move away from your high-interest card? Looking for a no hassle credit card? If so, we have the credit card for you!

A Credit Card That Helps You Save

Too many banks bog down their credit cards with hidden fees, making it expensive to have a credit card. At Valley Credit Union, our credit card offers great interest rates, Plus, NO Balance Transfer Fees and NO Annual Fees!

Our cards help you save money through:

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

Interest Rates, Rewards, & Fees

Interest Rates
Details MC Classic MC Secured MC Rewards
Rate Ranges 12.25% - 17.50% 17.25% 14.25% - 16.50%
Intro BT (6 months) 2.99% 2.99% 2.99%
APR for Balance Transfers (Go To) Same as Purchase Rate Same as Purchase Rate Same as Purchase Rate
APR for Cash Advances Same as Purchase Rate Same as Purchase Rate Same as Purchase Rate
Penalty APR 18.00% 18.00% 18.00%
Details MC Classic MC Secured MC Rewards
Rewards No No Yes
Reward Value (earn rate) n/a n/a 1.00%
Details MC Classic MC Secured MC Rewards
Annual Fee None None None
Application Fee None None None
Cash Advance Fee (ATM/Branch) None None None
Balance Transfer Fee None None None
Foreign Transaction Fee 1% 1% 1%
Late Fee (billed @ cycle) $25 $25 $25
Over Limit None None None
Returned Payment $25 $25 $25

We Protect Your Information

When it comes to credit cards, your information needs to be secure. With Valley Credit Union credit cards, our Card Valet gives you the security you need. Card Valet is a debit and credit card fraud mitigation and management tool that enables cardholders to control when, where and how their debit and credit cards are used, ensuring you have full control over your personal banking.

You Choose Your Rewards!

When it comes to credit card rewards, you want to ensure you’re getting the best reward available. We’ve taken the guesswork out of our credit card rewards with uChoose Rewards, where our members get to choose the rewards they earn.

Our cardholders can select from 3 to 4 million merchandise redemption options, or redeem points for gift cards at more than 100 retailers that cover dining, entertainment, gas, travel and retail purchases. There's even a cash back option! UChoose Rewards makes it easier to get points because cardholders can pool points across all registered cards and accounts.

Apple Pay, Google Pay & Samsung Pay

Apple Pay, Google Pay & Samsung Pay are a convenient and secure way for you to use your Valley credit and debit cards with your phone. Through a specific app for each phone, you can pay with your phone in person, online, or in an app quickly. If you enjoy the ease of using your phone and carrying fewer objects with you, this is a great way to safely and securely use your cards. There is also the availability within these apps to include your favorite store rewards cards and gift cards. Upload each of these types of cards within your specified mobile wallet app.

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*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.