Credit Cards

To apply for a new TCFCU VISA Credit Card, CLICK HERE! Please note that we are currently transitioning to an internal VISA platform, which will enable members to view transaction history, holds, and even make payments within Online Banking. If your application is accepted, you will receive your new card after October 18th.


VISA Card Holders

Your new VISA card will replace your prior TCFCU VISA credit card on October 11th, 2021. Please ensure function of your new card prior to destruction of your old card.

To reap the benefits of the new VISA platform, your TCFCU credit card has been re-issued with the same card number, but with an updated expiration date. Your new card, once activated by you, will be operational after October 11th. Be sure to hang onto your previous card until you’ve successfully used the new card.

You will now be able to view transaction history, holds, and even make payments within Online Banking. If you are enrolled in e-statements, that’s how your VISA bill will also be delivered. Please note that ezCardinfo is no longer accessible. Be sure to reestablish any recurring payments you may have set up. We hope you enjoy this new and convenient credit card platform!


The Platinum VISA offers a 0% introductory APR on purchases for the first six billing cycles. The Classic VISA is a 2.9% APR on purchase for the first six billing cycles. After the introductory time, interest rates are as low as 8.9% APR, with no annual fee, and low monthly payments.

Currently, earn DOUBLE POINTS on purchases with your TCFCU VISA!

You can access your VISA account by logging into Online Banking from the homepage.

Enjoy a great rewards program with your TCFCU VISA. Points can be redeemed for travel or merchandise. View your points at www.scorecardrewards.com.

Learn how to set up Apple, Samsung or Google Pay on your smartphone HERE.

Payments: Payments can now be made through online banking or mailed to the Veterans Drive branch at 3797 Veterans Drive, Traverse City, MI 49684.


Request a Credit Card Limit Increase

Current VISA Rates and Disclosures

ETCFCU Schumer

Download rates, fees, terms and conditions PDF