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Manage your card online with

Scott Associates Credit Union VISA Credit Cards

Our VISA credit cards offer competitive rates, generous credit lines, and excellent service and are backed by VISA’s Zero Liability Guarantee.


Interest Rates & Interest Charges

Visa Platinum

Annual Percentage Rate (APR) for Purchases

8.99%, 9.99%, 12.99%, or 15.99%
based on your creditworthiness.

APR for Balance Transfers

8.99%, 9.99%, 12.99%, or 15.99%
based on your creditworthiness.

APR for Cash Advances

8.99%, 9.99%, 12.99%, or 15.99%
based on your creditworthiness.

Penalty APR and When It Applies


How to Avoid Paying Interest

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on retail purchases, cash advances and balance transfers if you pay your entire balance by the due date.

Minimum Interest Charge


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 web site of the Consumer financial Protection Bureau at


Visa Platinum

Annual Fee


Transaction Fees

  • Balance Transfer
  • Cash Advances
  • Foreign Transaction




Up to 5.0% of the amount advanced – up to $25.00


Up to 1.0%

Penalty Fees

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


Up to $20.00




Up to $25.00

Other Fees



* All credit card applications subject to credit examination and approval


Apply for a Credit Card
Applying for a SACU VISA Credit Card is an easy process – simply complete our secure online application or contact us for a paper copy.  Along with the completed application, proof of income is necessary for all new lines of credit.  Once we receive all required documentation, we will be in contact.



  • Pay NO annual fee
  • Pay NO balance transfer fee
  • Can access your account FREE 24/7 online through
  • Can take advantage of Verified by Visa for added peace of mind
  • The card can access over 200,000 ATM machines and 12 million merchants worldwide.
  • Have NO ‘”default rate” to contend with (if you are late with a payment with our card you simply pay the penalty fee along with your payment, your card rate does not change!)
  • May make your monthly payments on-line with, by mail or in person at SACU
  • Worldwide acceptance
  • May report a lost or stolen card 24/7  is a great feature for our SACU VISA® credit card users – save the link below on your desktop and list it as a Favorites link! It provides convenient and secure online access to your credit card account information. Benefits include:

  • Get your current account summary
  • View Statements
  • Review and download card activity
  • Make a one-time or recurring payment
  • Set up e-mail or text alerts for your account

Maintain a more accurate financial picture of your card activity and payments history by registering today. Check it out at


Have Questions?
If you have an issue, concern, or a question regarding your SACU VISA Credit Card, the following resources are available for your use:

    Customer Service: 800-299-9842
    Fraudulent Transaction Claim: 800-600-5249
    Lost or Stolen Card: 727-570-4881
    After Hours: 866-604-0381
    Send Billing Inquiries to:
    Customer Service
    PO Box 30495
    Tampa FL  33630

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Phone: (937) 644-7385  |  Toll Free: 1-800-821-8173  |  Fax: (937) 645-2749  |  ARU: 937-645-2600 or 1-800-811-2546
NCUA and Equal Housing Lender  
Scott Associates Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 800-821-8173.