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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.

New Chip Cards

All members should be receiving their new chip cards soon. Your new card includes the latest chip technology which provides an added layer of security, providing greater protection against fraud.

World-Wide Acceptance
Your chip card will also make travelling easier and more convenient with its wide acceptance. Your card continues to have the traditional magnetic stripe on the back, enabling you to use it at merchants without chip-enabled terminals.

How it works

  • Merchants, such as a grocery store, may ask you to insert your card into the terminal or the may ask you to swipe
    the magnetic swipe.
  • If youíre asked to insert the card, look for a slot on the bottom-front of the terminal and insert your card face up
    with the chip first.
  • Leave your card in the terminal until the transaction is complete.
  • The terminal will prompt you to sign or enter a PIN to validate your identity.
  • Take your card when prompted and donít leave it behind.

If you have any questions, donít hesitate to contact us at 410-398-6921


  203 Booth Street
Elkton, MD 21921
410.398.0032 fax
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