Visa® Platinum Credit Card

You will see the difference when comparing major credit cards with your Olean Area Federal Credit Union VISA® Platinum card.  At first, all credit cards look the same, but take a closer look... The differences between cards can add up to considerable savings:

  • No Membership Fee - No membership or annual fees, so you are dollars ahead before you start!
  • 25-Day Grace Period on Purchases - By paying off your VISA® balance within 25 days, you can avoid any finance charges.
  • Variable Rates as low as 8.00% APR (effective 12/21/15) - A rate you can count on! Transfer balances from your higher-rate cards and save on finance charges.
  • No Additional Fees - Your credit union VISA® card has no transaction fees and no cash advance fees.  One more way credit union membership pays!
  • Cash Advance Convenience - Your credit union VISA® gives you plenty of buying power when and where you need it.  You can get cash advances at any institution or ATM displaying the VISA® symbol without any fee imposed by the Credit Union.
  • Worldwide Acceptace - VISA® cards are accepted at more than 12 million merchants worldwide and can be used to obtain cash at thousands of ATMs displaying the VISA® symbol.
  • FREE Rewards - You now earn one point for every dollar you spend.  You can redeem them for merchandise, travel, gift certificates, and more at
  • Life and Disability Insurance Available - Your credit union believes that protecting your credit card with MEMBER'S CHOICE Term Life and Disability insurance is a crucial part of financial planning.
  • 24 Hour Customer Service - To report your card lost or stolen, account information or any questions you might have.  Contact the Credit Union during business hours or VISA® at 1-800-442-4757.
  • VISA® Credit Card Disputes - Call 1-800-442-4757.
  • Pay Your Bill

         - By Mail
         - At either branch location
         - On ETELLER
         - Or puts you in touch 24 hours a day, 7 days a week with information services that make your credit union VISA® card more convenient and easier to manage than ever before.  Features include:

  • Online Credit Card Payments
  • Current and Past Statements
  • Transactions since your last statement
  • Email notifications of conditions or events on your account
  • Data downloadable to financial software such as Quicken or Money
  • Transaction and Spending Reports
  • Account Summary Information

VISA Variable Rate Disclosure

VISA Fixed Rate Disclosure


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