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Complete our online loan application to apply.

Visa Credit Cards

Current cardholders, click here to view your account.

Tired of those bank credit cards with skyrocketing rates and fees? Get one from us! Our no-annual-fee Visa cards start at 8.99% annual percentage rate. Trust us; that is hard to beat! Read below for all the details.
(We also offer a share secured Visa for those with less-than-stellar credit.)

Annual percentage rate (APR) for purchases Classic: 8.99%
Share Secured: 12.0%
APR for cash advances and balance transfers Classic: 8.99%
Share Secured: 12.0%
Other APRs Penalty rates: 12.96%, 14.99%*
Grace period for repayment of balances for purchases 25 days.
Method for computing the balance for purchases Average Daily Balance
(including new purchases)
Annual Fees None
Minimum Finance Charge None
Transaction fee for purchases None
Transaction fee for cash advances $5.00
Balance transfer fee $5.00
Late-payment fee $5.00
Over-the-credit-limit fee $5.00
* Your rate will go up to 12.96% if your payments are late by 30 days or more twice in 6 months. If this event occurs a second time, your rate will convert to 14.99%. After one year of current payments, you may request to have your rate lowered back to the original rate. It is your responsibility to request this review; it will not be done automatically.

Apply online.

Protect Your Visa Account
With these great rates, everyone will want to get their hands on a CCSEFCU Visa card. To make sure this doesn’t include online fraudsters, register yours with Verified by Visa. This service, available at a growing number of online merchants, lets you register a password of your choosing which must be entered before a purchase can be made with your card.

Click here to sign up for free through Visa’s secure website.

Visa also offers a free brochure to help you learn how to avoid "phishing" and how to recognize fraudulent emails.


  203 Booth Street
Elkton, MD 21921
410.398.0032 fax
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