VISA Credit Cards

El Monte CCU offers two great card choices—VISA Platinum and Share Secured! 

Our Platinum VISA credit card is accepted worldwide. Our low fixed-rate card can be used for balance transfers, pay off other debts that are at a higher interest rate with no balance transfer fee or to make everyday purchases.

Visa Platinum

  • Low fixed rates
  • No annual fee
  • Worldwide acceptance
  • No cash advance fee

Visa Share Secured

  • A great way to build or repair credit
  • Low fixed rates
  • No annual fee
  • Worldwide acceptance
  • No cash advance fee

EZ Card Info

Access your EZ Card Info account anytime anywhere, 24 hours a day and 7 days a week. Enroll or login today, or call (866) 604-0380 for more information. 

  • Analyze your spending
  • Review your statements
  • Pay bills online

How to Apply

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances Visa Platinum 3.99% introductory APR for six (6) months. After that, your APR will be 8.90% to 17.90%, based on your creditworthiness. Visa Share Secured 3.99% introductory rate for six (6) months. After that, your APR will be 10.90%.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee None
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees
• Late Payment
• Over-the-Credit-Limit 
• Returned Payment


How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Effective Date: The information about the costs of the card described in this application is accurate as of November 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

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By members choice, El Monte Community Credit Union is privately insured by American Share Insurance up to $250,000 per account.  This institution is not federally insured and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.  Accounts with this institution are not insured by any state government.