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DVFCU's Locally Managed Visa® Cards
Are you tired of impersonal service from your credit card company? How about rising interest rates? With DVFCU's locally managed Visa Department, you will always speak to a local representative about your Visa account. You will also enjoy low interest rates, no annual fees, and quick and easy balance transfers. Diamond Valley offers Secured Visa, Visa Classic, Visa Platinum credit cards, as well as Visa Gift Cards.
Please be aware that Diamond Valley Federal Credit Union representatives will not request your account number or personal information on a call that they initiate. As a rule, you should not give this information to anyone who contacts you by phone or whose identity you are not certain.
NEW! Secured Visa®
Great for Students!
Need to establish credit? Or, need assistance improving your credit history? If yes, then Diamond Valley's NEW Secured Visa® credit card may be just what you need!
Our Secured Visa credit card works like any other credit card and can be used wherever Visa is accepted.
Approved members will deposit $300-$5,000 into a secured deposit account. Purchases will be allowed up to the approved credit limit.
Visa Classic®
Visa Platinum®
Complete our Online Loan Application, view a printable application or visit any of our offices to pick up an application.
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Visa® Gift Cards
Visa Gift Cards can be used
most anywhere Visa is accepted*
so the recipient has the freedom
to select the present he or she
really wants. And unlike cash
gifts, cards can be replaced if
lost or stolen.
Visa Gift Cards are available at
Diamond Valley branches in
any denomination between $25
and $500. There is a processing
fee of just $2.25** per card.
*Certain restrictions may apply.
**Processing fee is subject to change without notice.
Verified by Visa®
Visa provides reassurance that only you can use your Visa card online.
Learn more about the benefits of Verified by Visa by clicking here.
Already a DVFCU Visa® Cardholder?
Click here for easy access to your account balance: eZCARDInfo
After Hours, Lost/Stolen Cards
Diamond Valley Federal Credit Union Check/ATM Card - Call 1-800-528-2273
Visa Classic® or Visa Platinum® - Call 1-800-991-4961
Updated Phone Numbers
Contact DVFCU Card Services today to make sure we have your current phone numbers on file. This will help us contact you in the case that the security of your Visa account is compromised.
DVFCU Card Services Department is locally managed at our Diamond Avenue Branch at 840 East Diamond Avenue. Please call 425-5152 if you have any questions about your account(s).
Guide to Credit Union Credit Cards
How Credit Union Services Work
Whilst consumers are aware that banks provide a variety of different financial services, far fewer consumers know about credit union credit cards, loans, insurance and savings accounts. Credit unions offer their members a variety of different services. Members join on the basis of a shared interest, such as religion, locality or their chosen vocation. Subject to status and affordability, a member may be able to borrower money on more competitive terms than offered by a mainstream financial institution.
Why Are Credit Union Credit Cards Less Expensive?
They are a nonprofit organisation that operates purely for the best interests of their members, not shareholders. According to a recent study by the Pew Charitable Trust, the rate of interest and charges are far lower than banks so it is worthwhile checking whether credit union services are more affordable. They are also more inclined to show greater understanding in the event of a member experiencing problems keeping up with the repayment schedule.
Cheaper Credit Union Services
- The rate of interest on credit union credit cards is 20% lower than that charged by the banks.
- Fees for going over the assigned credit limit are an average of $19 lower.
- No fee balance transfer credit cards are provided by 75% of credit unions and only 12% of the banks. The fee for transferring money between cards is about 4%.
Reduce Debt with a No Fee Balance Transfer Credit Card
An interest free transfer to a credit union credit card could save a member money. A Consumer Action credit card survey in July 2008 revealed that the median interest rate on unpaid credit card debt was 13.54%. This means that $1,354 of interest will be paid each year on an outstanding balance of $10,000. Whilst banks offer balance transfer credit cards, the overwhelming majority charge a 4% administrative fee. Although policies vary between providers, it may now be possible to avoid this charge.
Source: "Guide to Credit Union Credit Cards: How Credit Union Services Work." Personal Debt Management. Web. 23 Mar. 2010.
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