Credit Cards

Choose The Best Credit Card Option For You!  

Planning for your summer essentials is easier than ever. 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!

Beach Municipal FCU offers four different types of credit cards*, all of which offer the following benefits:

  • Same low-interest rates on purchases, balance transfers and cash advances.
  • No balance transfer fees.
  • No annual or application fees.

Seeking to transfer a high-rate credit card balance to your low-rate Beach Municipal card? It's so easy!  Use the below form to submit your balance transfer request electronically. If you don't have a Beach Municipal FCU credit card, use our easy online application to apply

Visa® Platinum

apply online

Mastercard® Gold

Apply Online

Take Charge Secured Mastercard®

  • Can help you build or repair your credit.
  • Secured by the funds you have in your Savings Account.
  • Credit limit between $250 and $1,000, based on the amount of secured funds.
  • Fixed interest rate.

Apply Online

Mastercard® Classic

Apply Online

Need to make a credit card payment?

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.

How does the Take Charge Secured Mastercard® work?

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!

Do you have travel plans?

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. 

Credit Life and Credit Disability Insurance

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.

UChoose Rewards

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

Credit Card Balance Transfer Request

Credit Card Balance Transfer Form
* Required Fields
This form is for members who already have a Beach Municipal FCU credit card. Please visit our easy online application to apply for a card. 

Date of Birth:
 /   / 

Yes, please pay off my more expensive credit cards and loans! 
Balance transfers may not be used to pay off Beach Municipal FCU accounts. 

Do you have anyother card you would like to include in your balance transfer request? 

Security Code:
Balance Transfer amount must not exceed current credit limit. Please allow 10 business days for processing of this transfer. Requesting a balance transfer that is less than 10 days from the payee due date may result in finance charges and/or penalties from the other financial institution. All balance transfer requests are treated as cash advances. Information accurate as of 12/01/2023.

*Credit card rates are subject to change. Please review our Credit Card Application and Solicitation Disclosure for additional information. 

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