header using credit card

OFCU Visa® Credit Card

Our Visa® credit cards are everything you want them to be.

They're great travel companions. They're perfect for shopping trips. They save you money and they look out for your security 24/7. Whether you choose a card for its great rate or to boost your credit score, the OFCU Visa is the perfect card for all occasions.  

Exciting changes for the OFCU Visa are coming soon!
  • Fixed interest rates as low as 6.9%*
  • No annual fee, cash advance fee or balance transfer fee
  • Online account management
  • Easily added to your digital wallet for mobile payments
  • 24/7 fraud monitoring (phone, text and email)
  • Visa Zero Liability means you're not held responsible for unauthorized purchases
  • Easily apply for your Visa credit card online, within digital banking or by calling 800.991.9219.

Share Secured Visa Credit Card
Our Share Secured Visa is the perfect option when you are just starting out and trying to establish credit. It has a spending limit tied to the funds you have secured in your OFCU Share/Savings account and a low rate of 4.9%. It's a great way to repair or improve your credit score, too!

To report fraudulent activity, call 1.877.253.8964. If you reside or are traveling outside of the U.S. call collect at 973.682.2652. 
  • Conveniently apply for your Visa credit card online, with our mobile app or by calling 800.991.9219
  • Sign all documents electronically – there's no need to come into an OFCU branch
  • We make quick decisions on applications - typically within 24 hours
  • New cardholders receive a welcome letter and email to assist with online account registration
  • Support and assistance available from our on-site Visa specialist

If you already have an active Oxford FCU VISA credit card, register at eZCard to manage your account and check your rewards status.  


*The Unsecured Visa interest rate is determined by credit score, and can be as low as 6.9% annual percentage rate, calculated at the periodic rate of .575% per month. The maximum interest rate is 17.9% annual percentage rate, calculated at the periodic rate of 1.492%.

The Share Secured Visa Finance Charge (interest) is calculated at the periodic rate of .408% per month, which is an Annual Percentage Rate of 4.9%. For a full disclosure contact Oxford Federal Credit Union.

Oxford Federal Credit Union is a full-service financial institution serving members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York counties in Maine.

Check out our special offers and promotions.