Credit Cards

No Matter Where You Are in Life, We Have a Credit Card For You.

Whether you want the perks of our Platinum Card, a Secured Card to build your credit history, or something in between, we've got you covered. You don't have to deal with a big bank.

The best credit cards in the valley are right here.


Platinum Card

You've worked hard to establish good credit and you deserve a card that reflects it.

You'll always get:

  • Our lowest APR

  • Generous credit limits

  • Same APR for purchases and cash advances

  • Limited fees*

  • 25 day grace period to avoid finance charges

  • $500,000.00 Travel Accident Insurance

  • Warranty Manager

  • Auto Rental Insurance

  • Emergency Monetary Services

  • Travel planning assistance

  • Many more great travel benefits and discounts

  • Optional Credit Life Insurance


Classic Card

You won't regret putting this card in your wallet.

You'll get:

  • A low APR

  • Low fees*

  • Same APR for purchases and cash advances

  • 25 day grace period to avoid finance charges

  • $250,000.00 Travel Accident Insurance

  • Optional Credit Life Insurance


Secured Card

You can build up your credit history.

This card provides the same great benefits and low APR as our VISA® Classic Credit Card. The available credit balance on the card is entirely secured by money in your RVCCU Savings Account.

Who this card is for:

  • A young person who needs to establish their credit history

  • Parents who want to teach older children to use credit responsibly without giving up their peace of mind

  • An adult who needs to rebuild their credit history because of divorce, medical debt, credit mistakes, or other reasons


Still Not Sure? Try Our Credit Card Comparison Table

Information Platinum Classic Secured
Annual Percentage Rate 9.99% APR 13.50% or 16.50% APR 13.50% or 16.50% APR
Rate Type Non-variable Non-variable Non-variable
Rate After Introductory Period Same Same Same
Rate After a Late Payment Same Same Same
Credit Limit $5,000.00 to
$20,000.00
$1,000.00 to
$7,000.00
$500.00 to
$7,000.00
Annual Fee $0.00 $0.00 $0.00
Balance Transfer Fee $0.00 $0.00 $0.00
Over-limit Fee $0.00 $0.00 $0.00
Late Payment Fee $0.00 up to $25.00 up to $25.00
Travel Accident Insurance $500,000.00 $250,000.00 $250,000.00
Credit Life and/or Disability Insurance Optional Optional Optional

Additional Information

All credit cards are subject to credit approval. Please contact one of our Financial Service Representatives for more details.

*Download a detailed explanation of our credit card rates and fees: VISA® Platinum (PDF) | VISA® Classic (PDF)

Credit card holders can view their balance, credit limit, and make payments by account transfer using eValley. For more detailed online account access, VISA® EZCardInfo is available. After signing up, you can view your balance and transactions, see statements, make payments, sign up for alerts, and more. You can have your payments automatically deducted from your RVCCU Checking or Savings Account by stopping by a branch or printing and returning the VISA® Auto Pay Application to us.

Sign up for Verified by VISA® for more protection when you shop online.