- No cash advance fees, balance transfer fees or annual fees
- Emergency card replacement
- Zero fraud liability
- 25 day grace period
- 24/7 online and mobile banking
We provide exclusive benefits for our Union family:
Strike Relief: If you go on a union sanctioned strike or lockout, you can defer payments on your Visa account for up to three months.
Union Rebate: We’ll donate a rebate of 1% of the annual interest paid on your Visa account to your local union’s preferred charity. So the more you use your card, the more you’re supporting your union’s interests.
Loyalty Deposit: Earn 1% cash back on the annual interest paid on your Visa account. This cash back is paid as a dividend at the end of each calendar year into your primary savings account.
Visa Credit Cards
|LOAN TYPE||ANNUAL FEE||MAXIMUM AMOUNT||ANNUAL PERCENTAGE RATE - VARIABLE|
|VISA® STEEL||None||$25,000||0% Intro for first 6 months, 10.23% to 17.98% thereafter*|
|VISA® STEEL Rewards||None||$25,000||13.23% to 17.98%|
|VISA® STEEL Secured||None||$25,000||0% Intro for first 6 months, 7.23% thereafter*|
|VISA® STEEL Secured Rewards||None||$25,000||10.23%|
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of January 2, 2018
Credit Card Fees
|Late Fee (If payment is received 11 or more days past the Payment Due Date)||$20.00 or the amount of the required minimum payment, whichever is less|
|Returned Check/Payment||$25.00 or the amount of the required minimum payment, whichever is less|
|VISA® Currency Conversion||1% of transaction|
Frequently Asked Questions
How do I activate my card?
To activate your card, please call 800.992.3808
What should I do if my card is lost or stolen?
If your Visa card is lost or stolen, please contact us immediately by calling 844.665.5275.
Do you have an after hours number?
For assistance after normal business hours regarding Visa transactions (debit and credit card), dial (844) 665-5275.
What should I do if I'm planning to travel?
If you plan on traveling to another country, let us know when and where you’re going. OE Federal takes the safety of your account seriously, and any unusual or suspicious purchases may be declined by our fraud detection system. Notify the Credit Union so we can make sure your trip goes off without a hitch. Contact us at (800) 877-4444.
How do I reset my PIN number?
To reset your PIN number, please call 800.992.3808