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Financial Peace of Mind

We take pride in processing your loans quickly and look forward to being your lending partner and providing you with financial peace of mind.

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New Homebuyer Home Loans from 4.25% APR ®

Visa Credit Cards

We won't stop being friendly. You can't make us.

If your credit card company has increased your rates, bumped up your minimum payments or hiked up their late fees, then check out our Visa Programs. You'll find low rates, low or absolutely no fees and easy access to your money. We're just friendly that way.

Visa Platinum

  • 4.99% APR* 12-month introductory rate on balance transfers
  • 8.75% APR* fixed rate on Purchases and Cash Advances

Visa Classic

  • 7.99% APR* 12-month introductory rate on balance transfers
  • 11.75% APR* fixed rate on Purchases and Cash Advances

Both cards have:

  • No annual fees
  • No balance transfer fees
  • No cash advance fees
  • No transaction fees
  • Safety and security with worldwide ATM and POS access
  • 25-day grace period on purchases
  • Internet Authentication Service (Verified by Visa™)
  • Fraud protection – provides 24/7 fraud monitoring

Visa New Beginning

  • 18% APR* fixed rate on Purchases and Cash Advances
  • For establishing credit or rebuilding a solid credit score
  • Annual fee of just $12
  • No cash advance fee or no transaction fee
  • Safety and security with worldwide ATM and POS access
  • Internet Authentication Service (Verified by Visa™)
  • Fraud protection

All Visa Credit Cards have:

  • $500,000 Travel and Accident Insurance
  • Emergency Cash and Card Replacement
  • Zero Liability†
  • Free balance transfers up to your credit limit
  • Falcon Fraud Monitoring
  • Visa Global Customer Assistance Services (GCAS)

Traveling or Shopping via Online/Phone Abroad? Plan Ahead!
If you're preparing to travel out of the country and intend to use your PFCU Visa credit or debit card, please be sure to notify us as soon as possible when you'll be traveling and where. Because of the number of fraudulent credit and debit card transactions in foreign countries, we want to protect you and your money. Therefore, it's very important that when you're planning to travel abroad to please notify us immediately so we can ensure that all your transactions follow your itinerary and that you have access to your funds. The same goes for making purchases online or via phone when making purchases abroad using your cards. If possible, please give us a call at (503) 215-6090 or toll-free at (888) 849-5189.

*APR (ANNUAL PERCENTAGE RATE). The 4.99% APR and 7.99% APR promotional rates are fixed for 12 months and do not apply to future purchases or cash advances. Promotional rates may not be used to pay existing Providence Credit Union loans or credit card debt. All 4.99% APR and 7.99% APR balance transfers will be classified as “purchases” under our Visa Card Agreement. New purchases or cash advances will carry a fixed rate. As of December 1, 2013, the rates for new purchases and cash advances is 8.75% APR for Visa Platinum and 11.75% APR for Visa Classic. All loans subject to credit approval.

† Subject to conditions in the Visa Credit Card Agreement.

Apply Now

Why Wait?

To apply for a mortgage loan, click here for our fast and easy online mortgage loan application.

For all other loans including auto loans, consumer loans, Visa Credit Cards, click here for our simple online loan application.

For 50 years, Providence Federal Credit Union has helped members just like you secure funds when needed. We offer a wide range of low-rate consumer loans to meet all your borrowing needs.

Check Your Visa Account

Check your Visa balances, view several months of transaction history, run reports and graphs for certain transactions types and amounts, and even make your VISA payment online. Click here to get started!