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Platinum Visa Credit Card

Stuck in a rut of paying high-interest credit cards every month and wondering why your balances aren’t going down?  Are you just starting out and looking for your first credit card? Maybe you just need help repairing a few dents in your credit history. Whatever your need, an ECU Platinum Visa is the solution!  Our cardholders enjoy many member-friendly features, including:

  • Intro Rate of 1.99% APR for 12 Months*
  • No Annual Fee
  • No Balance Transfer Fee
  • 5-Day Late Payment Grace Period
  • Zero Fraud Liability
  • ScoreCard Rewards are Earned with Every Purchase
  • Free Online Access with eZCard:
    • Detailed Transaction History and Spend Analyzer
    • Recurring and One-Time Payment Options
    • Enrollment and Access to Free eStatements
    • Set and Maintain Alerts
ScoreCard Rewards

*APR=Annual Percentage Rate. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the 12 months/billing cycles following the issuance of your card. After that, your APR will be 8.95% to 21.95%, based on your creditworthiness at the time of application. Subject to credit approval. Offer valid for new ECU Platinum Visa accounts only. Must be eligible for membership at Emerald Credit Union. All rates and promotions are subject to change.

Loans FAQs


Light BulbFinancial Wellness Tip: When possible, pay more than just the required minimum payment amount on your credit card statement. Larger payments will reduce your balance at a faster pace, and you'll pay less in interest. It will also increase your available credit and give you an emergency source of funds.

Ready to Apply?

There's never been a better time! You may submit your application online, or print and complete the Application and Solicitation Disclosure, and drop if off at our branch. We'll take it from there and contact you if any additional information is needed.

Line of Credit Increase

Whether you're looking to increase your line of credit or lower your interest rate, simply complete the Visa Request Form, and drop it off at our branch. We'll take it from there and contact you if any additional information is needed. 


To ensure uninterrupted usage of your ECU Platinum Visa while you travel, please contact us prior to your departure date. We will add a “Travel Memo” to your account preventing the Visa Fraud Department from blocking your account due to unusual spending. This is also a great opportunity to update your phone number and email address, in the event that the Fraud Department ever attempts to contact you.

Visa Customer Service:

Customer Service


Lost/Stolen & Card Activation


ScoreCard Rewards




Verified by Visa:

Verified by Visa helps keep your Emerald Platinum Visa Credit Card account protected when you use it online.  Learn more about Verified by Visa.

Emerald Payment Protection

Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death or disability from an injury or illness. Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt. Emerald Payment Protection may be added to any new or existing loan. 

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.