Important Message about Coronavirus (COVID-19) Contrast Credit Cards

Credit Cards

VISA Reward Credit Cards

  • Save Money = Lower Interest Rates
  • Low as 6.00% to 16.00% APR
  • Balance transfer to pay off higher interest cards
  • No annual fees
  • Earn UChoose points with each purchase
  • Redeem for Gift Cards, Airline tickets, household items
  • Payment Bay Debt Protection
  • Life / Disability / Unemployment Coverage

Secured Credit Card

Bay Credit Union has a secured VISA credit card to help you establish or rebuild your credit:

  • The rate of 13.44% APR
  • The annual fee $15.00
  • No extras charges for cash advances
  • Payment Bay Debt Protection
  • Life / Disability / Unemployment Coverage

Easily manage your VISA card account online. View your balance, track purchases, and make payments.

  • Never keep your PIN number in the same location as your card.
  • Check your statement frequently to make sure all your purchases are legitimate.
  • Let us know if you are traveling out of the country or going somewhere that is out of your normal routine.
  • Notify us immediately if you lose your wallet or misplace your card @ 1-844-267-8390
  • Sign the back of your card as soon as you receive it and activate card.

Visa Payment Address:

Bay Credit Union
Po Box 2711
Omaha, NE 68103-2711

UChoose Rewards

Our Debit Card rewards programs pay you to shop! When you shop at participating national and local retailers Both Visa Credit and Visa Debit cards earn reward points. (Debit card purchases must be signature based transactions to earn points.)


If you are planning to travel out of the area and plan to use your Bay Credit Union Visa Credit or Debit cards, eliminate potential VISA card hiccups by notifying us in advance. We would need to be notified of time and dates to help protect your card against fraud and a temporarily freeze on your card. Due to insurance regulations, we must receive this notification in writing.

How to notify us are:

You may do this by filling out a Travel Notification Form at one of our 4 branches, or you may log in to your online banking account and send us a secure message through the “Messages” section that states your dates of travel, location of travel, and the last 4 digits of the card or cards you would like opened for travel.


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