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VISA Cards

VISA STEEL Cards

OE Federal knows how hard it is to find a credit card tailored to fit your needs, especially as a Union worker. So… We created it!

OE Federal Visa STEEL Credit Cards offer you the flexibility and convenience you deserve. Accepted at locations worldwide, with no balance transfer feeno annual fee, and no cash advance fee, the Visa STEEL or STEEL Rewards Credit Card is the perfect card for you.

We also provide exclusive benefits for our Union family like:

Strike Relief¹: This benefit will defer payments on your Visa account for up to three months, if you go out on a Union sanctioned strike or lockout.

Union Rebate²: A rebate of 1% of the annual interest paid on your Visa account will be donated to the preferred charity of your Local Union. Feel good knowing the more you use your card, the more you support the interests of your Local Union.

Loyalty Deposit3: 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.

Not only do our Visa STEEL Credit Cards come with the unique Union only benefits above, our cards also come with these great benefits:

  Additional Benefits of Visa STEEL Cards
Limits up to $25,000Roadside Service*
Low RatesEmergency Card Replacement
Minimal FeesEMV Chip Card Fraud Protection 
Global AcceptanceLost/Stolen Reporting 
25 Day Grace PeriodZero Fraud Liability*
Auto Rental Insurance*Travel Accident Insurance*

Compare our cards 

STEEL Credit CardSTEEL Rewards Card
Visa Steel Credit CardVisa Steel Rewards Credit Card

Strike Relief¹ – Defer payments on your account for up to 3 months, if you go out on a Union sanctioned strike or lockout

Strike Relief¹ – Defer payments on your account for up to 3 months, if you go out on a Union sanctioned strike or lockout

Union Rebate² – A rebate of 1% of the annual interest paid on your Visa account will be donated to your Local Union’s charity of choice

Union Rebate² – A rebate of 1% of the annual interest paid on your Visa account will be donated to your Local Union’s charity of choice

Loyalty Deposit3 – A cash back rebate of 1% of the annual interest paid on your Visa account will be given back to you at the end of the year

Loyalty Deposit3 – A cash back rebate of 1% of the annual interest paid on your Visa account will be given back to you at the end of the year

0% APR on new purchases and
balance transfers for the First 6 months4

UChoose Rewards - Earn one (1) Reward Point for every dollar you spend

 

Earn 10,000 Bonus Rewards Points when you spend $1,000 in the first 3 months5

 

Redeem points for cash, travel, events, merchandise from a catalog of retailers, and more

VIEW CURRENT RATES  

APPLY NOW

Log in through your Online Banking account or call us at 800.877.4444 to get started.
 

UChoose Rewards

You shop. You earn. You choose. With UChoose Rewards, you choose where to shop and what to get for all the points you earn.

Most rewards programs have limited options on where to shop or point redemption, and it takes too long for points to accumulate. UChoose Rewards changes all of that.

With each purchase you make with your Visa STEEL Rewards Card, you earn 1 point for every dollar you spend. Simply use your card at gas stations, supermarkets, drugstores, malls, and anywhere else to keep earning points. The more you spend, the more you earn!

How Points Are Earned

  • Earn 1 point for every $1 spent using your Visa STEEL Rewards Card.
  • Shop in-store or online to earn points.
  • That's it. It's really that simple.

How It Works

  • Visit www.uchooserewards.com
  • Login - first time users need to register and create a user profile
  • Manage and keep track of your points through the UChoose Rewards website
  • Redeem your points online for travel, event tickets, merchandise, cash, and more...

For support on rewards points, we offer the following options:

  • Contact the Credit Union at 800.877.4444, M-F, 7:30am - 5:00pm (PT)
  • Contact UChoose by calling 844.617.6996, M-F, 6am - 6pm (PT)
  • "Live Chat" feature available at www.uchooserewards.com M-F, from 6am - 6pm (PT)

Redeem Points

Redeem Points for the Following  

Gift Cards

Gift Card

$15 Travel, Retail, Entertainment, or Dining

 

 

Starting at 1,500 Points

Event Tickets

Sports Tickets

Concerts/Major Sporting Events

 

 

Starting at 10,000 Points

Merchandise

Merchandise

Items such as a Roller Tool Cabinet

 

 

Starting at 24,555 Points

Activities

Activities

General Admission to Major Theme Parks

 

 

Starting at 10,306 Points

Travel

Travel

One Night Stay in a 5-star Hotel in Las Vegas, NV

 

 

Starting at 17,754 Points

Cash

Cash

$50 Cash Redemption

 

 

Starting at 5,000 Points

 Click here for more info on Cash Redemption

FAQs

Still have questions regarding the UChoose Rewards program? Click here to view a list of Frequently Asked Questions. If you need further assistance, please contact us at 800.877.4444. 

 


CREDIT BUILD/REBUILD PROGRAM

We understand how complicated credit is, so whether you have blemished credit or no credit, you can still get a credit card from OE Federal by enrolling in our Credit Build/Rebuild Program. Best part, you still get all the same benefits that come with our Visa STEEL Cards like Strike Relief¹ and Loyalty Depsosit3.  

For more information on our Credit Build/Rebuild Program, give us a call at 800.877.4444. 

 

SECURED VISA CARDS

OE Federal offers Secured Visa Cards with all of the same amazing features that come with our regular credit cards. The only difference is you secure the amount you use. This allows you the opportunity to get a credit card, build your credit history, and not have to pay a high interest rate somewhere else.

For more information on our Visa Secured Cards, give us a call at 800.877.4444.
 


Need to activate your card?  

To activate your card, please call 800.992.3808 or visit www.activatemycards.com
 

Lost or Stolen Visa?

If your Visa card is lost or stolen, please contact us immediately by calling 844.665.5275.


Planning a trip?

If you plan on taking a trip, don't forget to let the Credit Union know of your dates and where you'll be traveling. OE Federal takes the safety of your account seriously, and any unusual or suspicious purchases when using your Visa STEEL Credit Card may be declined by our fraud detection system. By notifying the Credit Union, we can make sure your trip goes uninterrupted. Contact the Credit Union at 800.877.4444.

 


 

¹To be eligible for Strike Relief, you must meet the following requirements: (1) you must have worked at least 20 hours per week during the 30-day period before the official strike; (2) you must be a cardholder for at least one year; (3) your account must be in good standing; (4) you must be on strike or lockout for 30 or more consecutive days within the last six months. Strike relief will defer your monthly minimum payment for up to 3 months from when you begin your strike.

²OE Federal will return 1% of the gross interest you pay annually on your VISA account(s) to a charity selected by your Local Union. Your Union (including members and family members) must accumulate $50 or more in benefits each calendar year for a donation to be made. Individual members and Unions do not receive a tax benefit from the donations made by the Credit Union through this program.

3OE Federal will give back 1% of the gross interest you pay annually on your VISA account(s) in the form of a dividend at the end of each calendar year. 

4APR= Annual Percentage Rate. 0% APR on new purchases and balance transfers only; does not include cash advances. After the first six billing cycles of your account opening, the APR for purchases and balance transfers will revert to your default APR and will vary based on the Prime Rate. Click here for details.

To earn 10,000 Rewards Points you must make a minimum of $1,000 in new purchases within the first 3 billing cycles of your account opening. Does not include balance transfers or cash advances. Rewards Points promotion ends when you reach $1,000 or after your first 3 billing cycles, whichever comes first.

*Certain terms, conditions, and exclusions apply. Refer to your Visa guide benefits for further detail.

UChoose Rewards: Rewards Points are available only for new purchases made with the Visa STEEL Rewards Card: cash advances and balance transfers are excluded and do not redeem points. Point redemption amounts vary per item. Refer to the Program Rules, Terms and Conditions by logging into www.uchooserewards.com.

UChoose Rewards is a registered trademark of Fiserv, Inc.

 

 

 

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