Credit Cards

Beach Municipal FCU credit card payments are due on the 12th of each month. There are several ways to make your payment.

Electronically — The easiest way to make a payment is through Virtual Branch Home Banking or the Mobile Banking App. Simply select the Beach Municipal FCU account you want to use and transfer the payment to your credit card. You can also schedule future and recurring transfers to ensure that your payments are always made on time.

Mail — Payments may be mailed to Beach Municipal FCU, 4164 Virginia Beach Blvd., Virginia Beach, VA 23452.

By Phone — Call us at 757.333.7787 during regular business hours. 

In-person — Visit one of our branches.

A secured card works just like a traditional credit card. The difference is that it requires a cash deposit, which determines the credit limit and acts as collateral for the card. 

For example, if you have $500 in your Savings Account, you can apply for a secured credit card with a $500 limit. We’ll place a “hold” on these funds for as long as the secured card is open. You won’t be able to access or spend the $500, but the money in your account will continue to earn dividends. Every month, your information will be reported to the credit bureaus. The better you manage your credit card spending and payments, the more your credit improves!

With time, as you show responsible credit card use, you will be eligible to apply for a traditional unsecured credit card, which does not require a security deposit.

Whether you have no credit or poor credit, you can take charge of your financial well-being and steer your credit in the right direction. Our Take Charge Secured Mastercard^® can help you build the credit you’ve been wanting—regardless of your past credit history. It’s also the perfect way for young adults to establish credit for a strong financial future. 

Steer steadfast and build your credit wisely!

Traveling is so much fun! Before you go, please let us know where you're going and when. If we don't know about your trip and we see unusual activity on your account, your Debit and/or Credit Card may be blocked. It is also very important we have your current contact information in the event we need to confirm transactions.

Due to an increase in fraudulent activity, all foreign card transactions have been blocked. Therefore, you are not able to use your Debit or Credit Card at ATMs or merchants outside of the United States unless a temporary exemption is applied. 

To ensure your trip goes smoothly, please contact us prior to your departure. You can do this by calling our Card Services Department at 757.416.6161 or by sending us a message through Virtual Branch Home Banking. Please include as many details as possible, such as specific states, countries and travel dates. 

With Credit Life and Credit Disability coverage, you’ll have peace of mind knowing you can:

• Reduce your financial burden.
• Protect your income, your collateral and your credit rating.
• Receive coverage at home and at work.

While credit insurance is not required to obtain a loan, the policies will lessen the financial burden on your family. In the event of your death, Credit Life Insurance pays the balance of your loan. Credit Disability Insurance makes your loan payments, up to the policy maximum, if you were to become disabled by a covered sickness or accident.

For more information on how Credit Life and Credit Disability coverage can protect you, contact us at 757.333.7787 or through our secure Contact Us form.

Our Mastercard^® Classic, Mastercard^® Gold^™ and Visa^® Platinum credit cards offer UChoose Rewards. With UChoose Rewards, you earn one point for every dollar you spend. Points are redeemable for gift cards, travel rewards, PayPal purchases, merchandise and more. To register your card and begin redeeming your points, please visit UChooseRewards.com.