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Visa Credit Card


The buying power our members deserve.

Enjoy buying power and convenience from the credit union you already trust. Transfer your credit card balances to a Proponent Visa, which has an annual percentage rate starting at 7.75% APR* and no balance transfer fee.

The Proponent Visa is a full-featured credit card loaded with all the valuable benefits you want. Like a generous grace period on repayment of purchases, a rewards program, acceptance at the millions of places that take Visa credit cards, and optional automatic notification if your balance reaches a predefined limit.
  • Low rate*
  • Free online access to your statements, including an instant payment feature
  • Convenient automated monthly payment service from a Proponent deposit account

    Choose between:
    • Minimum Payment
    • Fixed Payment (if the minimum payment is greater than the fixed payment, the minimum payment will be paid).
    • Pay in Full
Additional Features:

Proponent Visa Credit cards also feature the following benefits:
  • Fraud Protection: Real-time monitoring of your account for suspicious transaction activity
  • Online Shopping Security: Activate Verified by Visa® and get an extra layer of protection when you shop online
  • Auto Rental Coverage: Excellent coverage for collisions or theft of most rental cars paid for with your card
  • Zero Liability1: Protects you if your card is lost or stolen.
Recommended for:
Members who value being rewarded for using their card and/or who generally carry a balance on their credit cards from month to month.

ProRewards program
Proponent Visa transactions earn you points towards great rewards like gift certificates and travel discounts on airfare, hotels, and car rentals. All you have to do is opt-in to our ProRewards program and then use your credit card to pay for things instead of cash.

Visa Merchant Program
In addition to earning rewards points in our ProRewards program, Proponent Visa Credit Cardholders can also save money on purchases through the Visa Merchant program. Select merchants include GAP, Days Inn, and more! To view all the participating merchants, click here. Certain limitations apply. Remember to check back often to see the latest merchant offers!

*APR = Annual Percentage Rate. Current Rate is subject to credit worthiness and is determined by the prime rate plus 4.50%. All rates as of February 1, 2012 and are subject to change. Actual interest rate and credit limit are determined by member’s credit rating. Current rate is determined by the prime rate plus a margin. 1Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.
Information concerning specific criteria used is available at the Credit Union.