Give Yourself Some Credit
At Beach Municipal Federal Credit Union, your credit card is more than a way to pay. It’s another way to keep your financial relationship close to home.
Our Visa® credit cards give you the convenience you need for everyday purchases, along with the personal service and local support you expect from your credit union.
Your Beach Municipal FCU Visa Platinum
Our Visa® Platinum Credit Card is designed for everyday spending, giving you a convenient way to make purchases while keeping your credit card relationship with your credit union.
Whether you plan to make everyday purchases, consolidate existing high-rate credit card balances, build or repair your credit history, or just keep the card close in case of an emergency, we have the ideal card for you!
Benefits include:
- Competitive rates
- No annual fee
- No application fee
- No balance transfer fees
- Rewards on eligible purchases
- Tap-to-Pay (Digital Wallet coming soon!)
- Convenient card management through MyCards
Visa® Platinum Secured Card
- Can help you build or repair your credit.
- Earn points on all purchases with UChoose Rewards.
- Secured by the funds you have in your Savings Account.
- Credit limit between $250 and $5,000, based on the amount of secured funds.
- Fixed interest rate.
Apply For A VIsa Platinum Credit Card
Building or Rebuilding Your Credit?
Our Visa® Platinum Secured Card is designed for members who are working to establish or rebuild their credit history.
A secured credit card can provide the opportunity to develop positive credit habits while enjoying the convenience of a Visa® credit card and the support of your local credit union.
Benefits include:
- Designed to help build or rebuild credit
- No annual fee
- No application fee
- No balance transfer fees
- Convenient card management through MyCards
Apply For A VIsa Platinum secured Card
More Than a Card. It's Your Credit Union.
When you use your Beach Municipal FCU Visa®, you're not just using another credit card. You're using a card backed by your credit union.
That means you have a local team you can turn to when you have a question, need assistance, or want to talk through your financial options.
Local service. Personal support. A credit card from the credit union you know.
It's one more way we make your financial life a little more personal.
Already Have Your Beach Municipal FCU Visa®? Put It to Work.
Your card is ready for everyday purchases, seasonal spending, and everything in between.
Make your Beach Municipal FCU Visa part of your everyday spending and enjoy the convenience of Visa® with the personal service of your local credit union behind it.
With MyCards, you can manage your card in real time, view transactions, monitor spending, set alerts, manage card settings, and more.
Looking to Transfer a Balance?
If you’re carrying a balance on another credit card, a balance transfer to your Beach Municipal FCU Visa® may help you simplify your payments.
There are no balance transfer fees, making it easy to request a transfer.
Credit Card Balance Transfer Request
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 Visa® Platinum Secured Card 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!
Planning a trip? Set up a travel plan to ensure your credit and debit cards are ready to go! If we are unaware of your travel plans and suspicious out-of-state activity appears on your account, your card may be blocked and become unusable.
Simply log in to the Mobile Banking App, select the Cards icon, and enter your travel information in the Manage Travel Plans section. You can also send us a message through Virtual Branch Home Banking or by calling our Card Services Department at 757.416.6161.
Additionally, please ensure your contact information is up-to-date in case we need to verify transactions.
FOREIGN TRAVEL: Due to an increase in fraudulent activity, all foreign Debit and Credit transactions and online card purchases are blocked. Therefore Debit or Credit Cards will not work at ATMs or stores outside of the United States unless a temporary exemption is applied.
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 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.
*Credit card rates are subject to change. Please review our Credit Card Application and Solicitation Disclosure for additional information.
