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VISA® Platinum Card
Loan Rates

Online Loan ApplicationOnline Loan Application
An easy way to apply for an OECU loan.

Dealer FinancingDealer Financing
Get your OECU auto financing at these participating dealers.
Icon image - VISA® Platinum CardVISA® Platinum Card
  • Same Low Rate for Cash Advances and Purchases.
  • No Annual Fee
  • 25-Day Grace Period on Purchases

OECU VISA CURewards® Program

Now, you can earn great rewards-such as airline tickets, cruises, hotel stays, car rentals and a wide range of merchandise-just by using your OECU VISA Card.

Please review the complete OECU Visa Disclosure Statement before applying.

To apply, contact any OECU office or apply online with the link below.

For CURewards® Program information, contact our 24-hour Card Holder Service Center at 1-800-790-7728.

VISA® Platinum Card
VISA Platinum Card Online Application

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Card Type Visa® Platinum without CURewards® Visa® Platinum
with CURewards®

APR for Purchases

7.25% to 18.25% 9.25% to 20.25%

APR for Balance Transfers

7.25% to 18.25% 9.25% to 20.25%

APR for Cash Advances

7.25% to 18.25% 9.25% to 20.25%
Grace Period for Purchases 25 days from closing date of the statement
Method of Computing the Balance for Purchases Average Daily Balance, including current transactions
Annual Fee None
Minimum Finance Charge $0.50
Transaction Fee for Balance Transfers 3% with a minimum of $10.00
Transaction Fee for Cash Advances 3% with a minimum of $10.00
Transaction Fee for Foreign Transactions 3% of each transaction in US Dollars
Late Fee 5%, minimum $5.00, maximum $30.00
Return Payment Fee Up to $20
Over Limit Fee None None
The Annual Percentage Rate will be determined based on the applicant(s) credit score(s) Tier A+ is Prime
+ 4%, Tier A is Prime + 6%, Tier B is Prime + 9%, Tier C is Prime
+ 13% and Tier D is Prime + 15%
Tier A+ is Prime
+ 6%, Tier A is Prime + 8%, Tier B is Prime + 11%, Tier C is Prime
+ 15% and Tier D is Prime + 17%
The Maximum ANNUAL PERCENTAGE RATE for each of the credit tiers listed above 25%.