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- - Rewards CheckingAvailable to all members; in order to qualify for rewards, you must have your salary deposited at OAS FCU and meet other requirements
  - Overdraft Line of CreditAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
- - Share SavingsAvailable to all members, worldwide
  - RoundUp Savings AccountAvailable to all members, worldwide
  - Share CertificatesAvailable to all members, worldwide
  - Savings ClubAvailable for all members who can make monthly deposits
  - Retirement Account (IRA)Available to all members who have salary in the United States. Note that not all members may benefit from the tax exemption on deposits to an IRA account
  - InvestmentsOur investment services are available to all members, worldwide
- - Signature LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - International Personal LoanFor those that live outside of the US, have been a member of OAS FCU for over one year and have a regular income
  - Green Loan
  - Deposit Secured LoanAvailable to all members who have savings at OAS FCU
  - Post-Secondary Education LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Private Student Loan
  - Student Loan RefinancingAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Loan Payment Portal\
  - Insurance
- - Vehicle LoanAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Vehicle RefinanceRefinancing available for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Equity LoanAvailable for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Buying ServiceAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Loan Payment Portal\
  - Insurance
- - Mortgage LoansWe finance properties in certain areas in the United States. Members of OAS FCU who live abroad but have their salaries deposited at OAS FCU may qualify
  - Home Equity Line of Credit
  - Loan Payment Portal\
  - Insurance
- - OAS Retirement & Pension Plan LoanAvailable to all members who participate in the OAS Retirement and Pension Plan
  - IICA Recognition of Years of ServiceAvailable to all members who receive the Fund in Recognition for Years of Service benefit from IICA
  - OAS Benefits LoanAvailable to all members who are OAS Staff
  - Recognition for years of service CAF
  - Loan Payment Portal\
- - Debit CardNav
  - Travel Notice

Join OAS FCU

VISA Classic

A classic card

Our low-rate card is perfect for every budget, and a great credit-builder

Apply Now

Available in these Regions

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Need a credit boost?

Our VISA Classic credit card is perfect as a first card for establishing credit, or for repairing your credit if your history is less than perfect. Enjoy an extraordinarily low rate, all while still accessing a generous credit limit—options for this card go up to $10,000. Our cards are also highly secure, each one comes with built in fraud protection. And if you love to travel, then don’t forget about your free access to over 800,000 ATMs worldwide. For maximum convenience, pair your card with Apple Pay, Samsung Pay, or Google Pay via Mobile Wallet. You won’t even need to take your card out to make purchases; simply use your phone instead.

Save money with no international transaction or annual fee, and much-lower-than-average interest
No more international fees
Spend freely with credit limits up to $10,000
Enjoy a very special low rate for 12 months on all balance transfers¹
Get peace of mind with chip technology and Falcon Fraud Protection
Take advantage of access to over 800,000 ATMs worldwide for cash advances

Rates Questions

A classic card

This low rate card is perfect for building your credit

Apply Now

Does 0% mean FREE? Not always!

Our balance transfer program to an OAS FCU credit card not only will cost you less during the first year, it will save you money after as well. No balance transfer fees and a low interest rate for the first year.

Enjoy the benefits of a credit card while establishing your credit

If you’re looking to establish credit, you can request a secured Visa Credit Card using your savings as guarantee. Your money will continue to accrue dividends and you can have a credit card with a nice, low rate that is backed by a well-established U.S. financial institution.

Rates

Credit Cards

Type APR* Credit Limit

VISA Platinum 13.25% - 16.25% Up to $30,000
VISA Classic 11.25% - 17.99% Up to $10,000
Balance Transfer(1) 2.25% Up to available credit

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.

FAQs

If you would like to increase your credit card limit please click here to fill out the required form.

To report a lost or stolen VISA Credit Card, please notify VISA's Global Customer Assistance Center as soon as possible, and then contact the credit union at [email protected] so we can issue a new card.

1-833-574-3473 (U.S.)

909-204-3895 (International)

With the Falcon Fraud detection system, you will receive continual monitoring of your card activity to help identify and prevent fraudulent transactions in your account. If Falcon Fraud Prevention believes there is suspect activity in your account, they will contact you directly to verify transactions with your VISA Credit Union card. If Falcon is not able to reach you directly, they will leave a voicemail with a call back number to verify transactions with your Credit Union Visa card, or they may block your account for security reasons. You can always reactivate your account by calling one of the following numbers: VISA Credit Card:

1-833-574-3473 (U.S.)

909-204-3895 (International)

You can manage your payments directly from the MyCardInfo:

You can add a payment account

You can make single payments or establish recurring payments

You can also ask us to establish an automatic recurring payment directly from your OAS FCU account

You can also call us or VISA to request a payment

Log in to the Card Management Site and click on Account Services, and then “Dispute Transactions”. There, follow the instructions and our fraud department will open a case –as well as cancel your credit card to avoid additional fraudulent transactions. If you do not have online access to your account, please contact us:

By phone: 202.458.3834

or by email: [email protected]

You can access your credit card account anytime and anywhere by using our MyCardInfo platform from your Online Banking. You have direct access to the platform and can use your same user ID and password.

Yes, you can request a PIN for your Credit Card to make cash advances at an ATM. Even though we don't charge a fee for cash advances, some other costs may be involved such as the fee charged by the ATM. Send the request to [email protected] and it will be sent by mail.

Before your trip, we recommend you visit our Travel Tips page so you can use your card to make purchases, payments and withdrawals anywhere, safe and conveniently. You should note that our Falcon Fraud Prevention Service usually activates when there are international transactions on your card(s). We recommend you notify the Credit Union if you are planning on traveling outside of your state.

Leaving Our Website

You are leaving OAS FCU’s website and linking to an alternate website not operated by the credit union. OAS FCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. The privacy practices of the alternate site may differ from those practiced by the credit union. You should review the privacy policy of any site before providing any information.